Call reports 2015
A J SMITH FEDERAL SAVINGS BANK — 2015
What A J SMITH FEDERAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 209,585,000 | 208,085,000 | 208,546,000 | 208,493,000 |
| Total loans | 115,488,000 | 117,770,000 | 116,782,000 | 115,411,000 |
| Allowance for loan losses | 1,070,000 | 1,080,000 | 1,085,000 | 988,000 |
| Securities available for sale | 54,089,000 | 51,815,000 | 48,085,000 | 49,942,000 |
| Securities held to maturity | 329,000 | 328,000 | 327,000 | 326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,139,000 | 168,113,000 | 169,164,000 | 168,192,000 |
| Interest-bearing deposits | 147,190,000 | 145,933,000 | 147,410,000 | 145,246,000 |
| Noninterest-bearing deposits | 22,949,000 | 22,180,000 | 21,754,000 | 22,946,000 |
| Equity capital | 29,558,000 | 29,320,000 | 29,633,000 | 29,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,313,000 | 2,619,000 | 3,932,000 | 5,241,000 |
| Interest expense | 205,000 | 395,000 | 582,000 | 762,000 |
| Net interest income | 1,108,000 | 2,224,000 | 3,350,000 | 4,479,000 |
| Noninterest income | 131,000 | 288,000 | 495,000 | 573,000 |
| Noninterest expense | 1,159,000 | 2,485,000 | 3,726,000 | 4,893,000 |
| Provision for loan losses | 15,000 | 130,000 | 130,000 | 80,000 |
| Pretax income | 139,000 | -30,000 | 62,000 | 152,000 |
| Income tax | 39,000 | -43,000 | -21,000 | -15,000 |
| Net income | 100,000 | 13,000 | 83,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,834,000 | 27,745,000 | 27,851,000 | 27,890,000 |
| Total capital | 29,904,000 | 28,825,000 | 28,936,000 | 28,878,000 |
| Risk-weighted assets | 90,585,000 | 90,705,000 | 88,700,000 | 87,085,000 |