Call reports 2015
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF PASCAGOULA-MOSS POINT — 2015
What FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF PASCAGOULA-MOSS POINT 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 | 288,552,000 | 284,095,000 | 284,922,000 | 285,981,000 |
| Total loans | 227,874,000 | 227,482,000 | 228,232,000 | 231,599,000 |
| Allowance for loan losses | 981,000 | 992,000 | 890,000 | 976,000 |
| Securities available for sale | 5,041,000 | 5,072,000 | 8,976,000 | 7,619,000 |
| Securities held to maturity | 20,663,000 | 19,519,000 | 19,265,000 | 19,172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,224,000 | 177,132,000 | 177,043,000 | 180,438,000 |
| Interest-bearing deposits | 161,298,000 | 162,088,000 | 161,322,000 | 161,334,000 |
| Noninterest-bearing deposits | 15,926,000 | 15,044,000 | 15,721,000 | 19,104,000 |
| Equity capital | 24,142,000 | 24,297,000 | 24,666,000 | 24,685,000 |
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 | 2,985,000 | 5,975,000 | 9,011,000 | 12,044,000 |
| Interest expense | 897,000 | 1,773,000 | 2,649,000 | 3,519,000 |
| Net interest income | 2,088,000 | 4,202,000 | 6,362,000 | 8,525,000 |
| Noninterest income | 159,000 | 221,000 | 363,000 | 478,000 |
| Noninterest expense | 1,641,000 | 3,468,000 | 5,266,000 | 7,389,000 |
| Provision for loan losses | 53,000 | 170,000 | 230,000 | 289,000 |
| Pretax income | 586,000 | 850,000 | 1,302,000 | 1,405,000 |
| Income tax | 176,000 | 243,000 | 366,000 | 396,000 |
| Net income | 410,000 | 607,000 | 936,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,091,000 | 24,288,000 | 24,618,000 | 24,691,000 |
| Total capital | 25,084,000 | 25,302,000 | 25,540,000 | 25,674,000 |
| Risk-weighted assets | 146,227,000 | 142,086,000 | 140,048,000 | 141,773,000 |