Call reports 2015
FIRST SAVINGS AND LOAN ASSOCIATION — 2015
What FIRST SAVINGS AND LOAN ASSOCIATION 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 | 56,001,000 | 54,953,000 | 53,263,000 | 51,933,000 |
| Total loans | 28,883,000 | 28,737,000 | 27,496,000 | 27,744,000 |
| Allowance for loan losses | 184,000 | 184,000 | 186,000 | 198,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,018,000 | 15,424,000 | 13,460,000 | 13,177,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,859,000 | 42,656,000 | 40,918,000 | 39,765,000 |
| Interest-bearing deposits | 43,859,000 | 42,656,000 | 40,918,000 | 39,765,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 11,604,000 | 11,682,000 | 11,724,000 | 11,794,000 |
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 | 590,000 | 1,174,000 | 1,722,000 | 2,267,000 |
| Interest expense | 79,000 | 156,000 | 228,000 | 295,000 |
| Net interest income | 511,000 | 1,018,000 | 1,494,000 | 1,972,000 |
| Noninterest income | -11,000 | -1,000 | 3,000 | 15,000 |
| Noninterest expense | 396,000 | 792,000 | 1,152,000 | 1,568,000 |
| Provision for loan losses | 0 | 0 | 48,000 | 60,000 |
| Pretax income | 104,000 | 225,000 | 297,000 | 359,000 |
| Income tax | 44,000 | 87,000 | 117,000 | 109,000 |
| Net income | 60,000 | 138,000 | 180,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,604,000 | 11,682,000 | 11,724,000 | 11,794,000 |
| Total capital | 11,788,000 | 11,866,000 | 11,910,000 | 11,992,000 |
| Risk-weighted assets | 21,162,000 | 20,896,000 | 20,209,000 | 19,877,000 |
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