Call reports 2022
FIRST FEDERAL SAVINGS BANK OF LINCOLNTON — 2022
What FIRST FEDERAL SAVINGS BANK OF LINCOLNTON reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 462,120,000 | 463,677,000 | 451,708,000 | 431,413,000 |
| Total loans | 270,336,000 | 284,877,000 | 292,036,000 | 295,666,000 |
| Allowance for loan losses | 2,640,000 | 2,626,000 | 2,613,000 | 2,627,000 |
| Securities available for sale | 86,585,000 | 90,514,000 | 94,443,000 | 92,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,883,000 | 393,356,000 | 382,559,000 | 360,659,000 |
| Interest-bearing deposits | 355,663,000 | 356,039,000 | 344,338,000 | 320,957,000 |
| Noninterest-bearing deposits | 35,220,000 | 37,317,000 | 38,221,000 | 39,702,000 |
| Equity capital | 68,522,000 | 67,554,000 | 66,381,000 | 68,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,242,000 | 6,676,000 | 10,652,000 | 14,966,000 |
| Interest expense | 235,000 | 452,000 | 645,000 | 1,061,000 |
| Net interest income | 3,007,000 | 6,224,000 | 10,007,000 | 13,905,000 |
| Noninterest income | 40,000 | 81,000 | 118,000 | 180,000 |
| Noninterest expense | 2,001,000 | 4,188,000 | 6,370,000 | 8,650,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,046,000 | 2,117,000 | 3,755,000 | 5,435,000 |
| Income tax | 154,000 | 370,000 | 741,000 | 1,125,000 |
| Net income | 892,000 | 1,747,000 | 3,014,000 | 4,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,020,000 | 72,876,000 | 74,142,000 | 75,439,000 |
| Total capital | 74,606,000 | 75,502,000 | 76,755,000 | 78,066,000 |
| Risk-weighted assets | 206,820,000 | 217,506,000 | 226,949,000 | 227,117,000 |