Call reports 2017
FIRST FEDERAL SAVINGS BANK OF LINCOLNTON — 2017
What FIRST FEDERAL SAVINGS BANK OF LINCOLNTON reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 374,331,000 | 368,580,000 | 370,158,000 | 366,628,000 |
| Total loans | 293,820,000 | 301,987,000 | 306,918,000 | 314,203,000 |
| Allowance for loan losses | 2,242,000 | 2,243,000 | 2,187,000 | 2,152,000 |
| Securities available for sale | 32,802,000 | 32,320,000 | 31,566,000 | 27,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,531,000 | 311,711,000 | 307,333,000 | 308,705,000 |
| Interest-bearing deposits | 299,641,000 | 293,837,000 | 291,446,000 | 292,746,000 |
| Noninterest-bearing deposits | 18,890,000 | 17,874,000 | 15,887,000 | 15,959,000 |
| Equity capital | 53,962,000 | 55,036,000 | 56,044,000 | 56,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,762,000 | 7,542,000 | 11,426,000 | 15,343,000 |
| Interest expense | 723,000 | 1,433,000 | 2,131,000 | 2,838,000 |
| Net interest income | 3,039,000 | 6,109,000 | 9,295,000 | 12,505,000 |
| Noninterest income | 140,000 | 239,000 | 360,000 | 474,000 |
| Noninterest expense | 1,862,000 | 3,755,000 | 5,594,000 | 7,971,000 |
| Provision for loan losses | 0 | -1,000 | -2,000 | -2,000 |
| Pretax income | 1,317,000 | 2,594,000 | 4,063,000 | 4,827,000 |
| Income tax | 240,000 | 686,000 | 1,205,000 | 2,155,000 |
| Net income | 1,077,000 | 1,908,000 | 2,858,000 | 2,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,437,000 | 55,268,000 | 56,219,000 | 56,028,000 |
| Total capital | 56,679,000 | 57,511,000 | 58,406,000 | 58,180,000 |
| Risk-weighted assets | 214,115,000 | 219,881,000 | 223,133,000 | 225,620,000 |