Call reports 2020
FIRST SAVINGS AND LOAN ASSOCIATION — 2020
What FIRST SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 56,364,000 | 57,854,000 | 58,421,000 | 58,184,000 |
| Total loans | 35,035,000 | 33,441,000 | 34,209,000 | 33,242,000 |
| Allowance for loan losses | 209,000 | 204,000 | 205,000 | 173,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,925,000 | 9,473,000 | 9,578,000 | 9,935,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,040,000 | 44,382,000 | 45,085,000 | 44,914,000 |
| Interest-bearing deposits | 43,040,000 | 44,382,000 | 45,085,000 | 44,914,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 12,588,000 | 12,639,000 | 12,644,000 | 12,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 609,000 | 1,136,000 | 1,667,000 | 2,197,000 |
| Interest expense | 187,000 | 359,000 | 516,000 | 640,000 |
| Net interest income | 422,000 | 777,000 | 1,151,000 | 1,557,000 |
| Noninterest income | 19,000 | 38,000 | 58,000 | 79,000 |
| Noninterest expense | 355,000 | 682,000 | 1,056,000 | 1,443,000 |
| Provision for loan losses | 26,000 | 21,000 | 22,000 | -10,000 |
| Pretax income | 60,000 | 112,000 | 131,000 | 203,000 |
| Income tax | 14,000 | 15,000 | 29,000 | 35,000 |
| Net income | 46,000 | 97,000 | 102,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,588,000 | 12,639,000 | 12,644,000 | 12,710,000 |
| Total capital | 12,797,000 | 12,843,000 | 12,849,000 | 12,883,000 |
| Risk-weighted assets | 24,070,000 | 24,298,000 | 24,942,000 | 24,039,000 |