Call reports 2018
FIRST FEDERAL SAVINGS BANK OF LINCOLNTON — 2018
What FIRST FEDERAL SAVINGS BANK OF LINCOLNTON reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 380,438,000 | 379,761,000 | 386,433,000 | 381,436,000 |
| Total loans | 323,092,000 | 328,304,000 | 332,630,000 | 335,052,000 |
| Allowance for loan losses | 2,154,000 | 2,130,000 | 2,129,000 | 2,031,000 |
| Securities available for sale | 23,181,000 | 21,988,000 | 20,996,000 | 20,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,624,000 | 312,904,000 | 308,483,000 | 296,404,000 |
| Interest-bearing deposits | 293,065,000 | 291,548,000 | 287,573,000 | 278,738,000 |
| Noninterest-bearing deposits | 21,559,000 | 21,356,000 | 20,910,000 | 17,666,000 |
| Equity capital | 56,899,000 | 57,880,000 | 58,998,000 | 60,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,037,000 | 8,170,000 | 12,400,000 | 16,808,000 |
| Interest expense | 691,000 | 1,416,000 | 2,211,000 | 3,100,000 |
| Net interest income | 3,346,000 | 6,754,000 | 10,189,000 | 13,708,000 |
| Noninterest income | 64,000 | 135,000 | 194,000 | 82,000 |
| Noninterest expense | 2,026,000 | 4,106,000 | 6,017,000 | 8,411,000 |
| Provision for loan losses | 0 | -1,000 | -2,000 | -147,000 |
| Pretax income | 1,398,000 | 2,798,000 | 4,382,000 | 5,540,000 |
| Income tax | 232,000 | 563,000 | 940,000 | 1,204,000 |
| Net income | 1,166,000 | 2,235,000 | 3,442,000 | 4,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,196,000 | 58,264,000 | 59,471,000 | 60,366,000 |
| Total capital | 59,350,000 | 60,394,000 | 61,600,000 | 62,397,000 |
| Risk-weighted assets | 233,978,000 | 234,899,000 | 235,965,000 | 237,124,000 |