Call reports 2016
FIRST SAVINGS AND LOAN ASSOCIATION — 2016
What FIRST SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 51,151,000 | 51,180,000 | 50,287,000 | 50,272,000 |
| Total loans | 26,948,000 | 26,584,000 | 26,726,000 | 26,471,000 |
| Allowance for loan losses | 210,000 | 227,000 | 195,000 | 193,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,283,000 | 12,477,000 | 12,034,000 | 12,033,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,793,000 | 38,711,000 | 37,720,000 | 37,864,000 |
| Interest-bearing deposits | 38,793,000 | 38,711,000 | 37,720,000 | 37,864,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 11,850,000 | 11,863,000 | 11,917,000 | 11,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 531,000 | 1,040,000 | 1,552,000 | 2,065,000 |
| Interest expense | 63,000 | 130,000 | 198,000 | 270,000 |
| Net interest income | 468,000 | 910,000 | 1,354,000 | 1,795,000 |
| Noninterest income | 6,000 | 11,000 | 17,000 | 25,000 |
| Noninterest expense | 376,000 | 760,000 | 1,160,000 | 1,546,000 |
| Provision for loan losses | 12,000 | 35,000 | 3,000 | 2,000 |
| Pretax income | 86,000 | 126,000 | 208,000 | 272,000 |
| Income tax | 30,000 | 58,000 | 86,000 | 93,000 |
| Net income | 56,000 | 68,000 | 122,000 | 179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,850,000 | 11,863,000 | 11,917,000 | 11,973,000 |
| Total capital | 12,060,000 | 12,090,000 | 12,112,000 | 12,166,000 |
| Risk-weighted assets | 19,544,000 | 19,522,000 | 19,551,000 | 21,177,000 |