Call reports 2015
FIRST FEDERAL SAVINGS BANK — 2015
What FIRST FEDERAL SAVINGS BANK 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 | 396,039,000 | 396,272,000 | 403,001,000 | 401,058,000 |
| Total loans | 250,814,000 | 246,100,000 | 245,404,000 | 246,603,000 |
| Allowance for loan losses | 2,350,000 | 2,352,000 | 2,360,000 | 2,372,000 |
| Securities available for sale | 93,966,000 | 87,359,000 | 97,327,000 | 98,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,392,000 | 269,549,000 | 260,193,000 | 259,331,000 |
| Interest-bearing deposits | 243,633,000 | 242,486,000 | 230,543,000 | 226,933,000 |
| Noninterest-bearing deposits | 29,759,000 | 27,063,000 | 29,650,000 | 32,398,000 |
| Equity capital | 41,376,000 | 40,936,000 | 41,524,000 | 41,332,000 |
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 | 3,440,000 | 6,847,000 | 10,302,000 | 13,883,000 |
| Interest expense | 753,000 | 1,506,000 | 2,256,000 | 2,998,000 |
| Net interest income | 2,687,000 | 5,341,000 | 8,046,000 | 10,885,000 |
| Noninterest income | 769,000 | 1,607,000 | 2,490,000 | 3,345,000 |
| Noninterest expense | 2,983,000 | 5,904,000 | 8,817,000 | 11,806,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 65,000 |
| Pretax income | 470,000 | 1,036,000 | 1,672,000 | 2,340,000 |
| Income tax | 63,000 | 163,000 | 294,000 | 455,000 |
| Net income | 407,000 | 873,000 | 1,378,000 | 1,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,017,000 | 34,194,000 | 34,408,000 | 34,623,000 |
| Total capital | 36,367,000 | 36,546,000 | 36,768,000 | 36,995,000 |
| Risk-weighted assets | 284,280,000 | 278,698,000 | 275,972,000 | 278,570,000 |