Call reports 2012
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF HAMMOND — 2012
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF HAMMOND reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 47,811,000 | 46,898,000 | 45,831,000 | 43,164,000 |
| Total loans | 37,929,000 | 36,775,000 | 36,015,000 | 34,602,000 |
| Allowance for loan losses | 1,151,000 | 1,145,000 | 1,268,000 | 992,000 |
| Securities available for sale | 2,769,000 | 3,137,000 | 3,835,000 | 3,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,339,000 | 41,438,000 | 41,194,000 | 40,231,000 |
| Interest-bearing deposits | 42,756,000 | 41,001,000 | 40,615,000 | 39,804,000 |
| Noninterest-bearing deposits | 583,000 | 437,000 | 579,000 | 427,000 |
| Equity capital | 2,396,000 | 2,420,000 | 2,297,000 | 1,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 543,000 | 1,067,000 | 1,565,000 | 2,049,000 |
| Interest expense | 130,000 | 246,000 | 358,000 | 459,000 |
| Net interest income | 413,000 | 821,000 | 1,207,000 | 1,590,000 |
| Noninterest income | 19,000 | 34,000 | 57,000 | -82,000 |
| Noninterest expense | 341,000 | 724,000 | 1,112,000 | 1,529,000 |
| Provision for loan losses | -370,000 | -370,000 | -153,000 | -153,000 |
| Pretax income | 461,000 | 506,000 | 310,000 | 137,000 |
| Income tax | 157,000 | 173,000 | 105,000 | 37,000 |
| Net income | 304,000 | 333,000 | 205,000 | -979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,585,000 | 1,615,000 | 1,382,000 | 1,104,000 |
| Total capital | 1,896,000 | 1,919,000 | 1,680,000 | 1,385,000 |
| Risk-weighted assets | 24,064,000 | 23,443,000 | 22,847,000 | 21,801,000 |