Call reports 2019
FIRST FEDERAL SAVINGS BANK OF LINCOLNTON — 2019
What FIRST FEDERAL SAVINGS BANK OF LINCOLNTON reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 396,254,000 | 398,664,000 | 392,146,000 | 382,298,000 |
| Total loans | 335,401,000 | 333,234,000 | 328,780,000 | 319,282,000 |
| Allowance for loan losses | 2,033,000 | 1,992,000 | 1,995,000 | 1,997,000 |
| Securities available for sale | 20,315,000 | 21,257,000 | 22,623,000 | 21,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,714,000 | 326,789,000 | 325,886,000 | 315,459,000 |
| Interest-bearing deposits | 287,919,000 | 306,193,000 | 307,367,000 | 297,460,000 |
| Noninterest-bearing deposits | 19,795,000 | 20,596,000 | 18,519,000 | 17,999,000 |
| Equity capital | 61,568,000 | 62,843,000 | 64,244,000 | 64,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,375,000 | 8,845,000 | 13,297,000 | 17,582,000 |
| Interest expense | 935,000 | 1,977,000 | 3,050,000 | 4,092,000 |
| Net interest income | 3,440,000 | 6,868,000 | 10,247,000 | 13,490,000 |
| Noninterest income | 44,000 | 120,000 | 389,000 | 498,000 |
| Noninterest expense | 2,114,000 | 4,237,000 | 6,155,000 | 8,671,000 |
| Provision for loan losses | -46,000 | -47,000 | -47,000 | -51,000 |
| Pretax income | 1,416,000 | 3,014,000 | 4,955,000 | 5,795,000 |
| Income tax | 291,000 | 627,000 | 1,064,000 | 1,280,000 |
| Net income | 1,125,000 | 2,387,000 | 3,891,000 | 4,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,490,000 | 62,752,000 | 64,257,000 | 64,880,000 |
| Total capital | 63,523,000 | 64,744,000 | 66,252,000 | 66,877,000 |
| Risk-weighted assets | 236,724,000 | 232,119,000 | 227,680,000 | 220,791,000 |