Call reports 2016
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF PASCAGOULA-MOSS POINT — 2016
What FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF PASCAGOULA-MOSS POINT 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 | 289,356,000 | 292,033,000 | 291,934,000 | 293,218,000 |
| Total loans | 232,245,000 | 233,601,000 | 237,282,000 | 237,633,000 |
| Allowance for loan losses | 941,000 | 946,000 | 917,000 | 920,000 |
| Securities available for sale | 9,403,000 | 8,503,000 | 14,427,000 | 15,871,000 |
| Securities held to maturity | 19,083,000 | 16,989,000 | 14,880,000 | 15,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,489,000 | 181,870,000 | 183,104,000 | 184,230,000 |
| Interest-bearing deposits | 162,964,000 | 162,576,000 | 161,819,000 | 162,486,000 |
| Noninterest-bearing deposits | 19,525,000 | 19,294,000 | 21,285,000 | 21,744,000 |
| Equity capital | 25,141,000 | 25,605,000 | 26,007,000 | 25,728,000 |
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 | 3,022,000 | 6,049,000 | 9,096,000 | 12,140,000 |
| Interest expense | 892,000 | 1,770,000 | 2,671,000 | 3,581,000 |
| Net interest income | 2,130,000 | 4,279,000 | 6,425,000 | 8,559,000 |
| Noninterest income | 111,000 | 395,000 | 526,000 | 676,000 |
| Noninterest expense | 1,686,000 | 3,586,000 | 5,271,000 | 7,679,000 |
| Provision for loan losses | 15,000 | 20,000 | 58,000 | 98,000 |
| Pretax income | 540,000 | 1,117,000 | 1,677,000 | 1,513,000 |
| Income tax | 145,000 | 285,000 | 437,000 | 383,000 |
| Net income | 395,000 | 832,000 | 1,240,000 | 1,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,085,000 | 25,522,000 | 25,930,000 | 25,820,000 |
| Total capital | 26,040,000 | 26,481,000 | 26,847,000 | 26,768,000 |
| Risk-weighted assets | 141,572,000 | 142,479,000 | 142,867,000 | 142,541,000 |