Call reports 2016
FIRST FEDERAL SAVINGS BANK — 2016
What FIRST FEDERAL SAVINGS BANK 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 | 401,008,000 | 397,507,000 | 399,997,000 | 408,713,000 |
| Total loans | 243,727,000 | 239,407,000 | 241,036,000 | 246,431,000 |
| Allowance for loan losses | 2,384,000 | 2,278,000 | 2,328,000 | 2,291,000 |
| Securities available for sale | 99,673,000 | 94,617,000 | 94,505,000 | 98,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,074,000 | 254,242,000 | 256,992,000 | 267,932,000 |
| Interest-bearing deposits | 226,009,000 | 220,673,000 | 223,675,000 | 229,708,000 |
| Noninterest-bearing deposits | 32,065,000 | 33,569,000 | 33,317,000 | 38,224,000 |
| Equity capital | 41,688,000 | 41,988,000 | 41,851,000 | 40,290,000 |
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 | 3,417,000 | 6,928,000 | 10,397,000 | 13,798,000 |
| Interest expense | 703,000 | 1,394,000 | 2,122,000 | 2,875,000 |
| Net interest income | 2,714,000 | 5,534,000 | 8,275,000 | 10,923,000 |
| Noninterest income | 779,000 | 1,573,000 | 2,427,000 | 3,264,000 |
| Noninterest expense | 3,106,000 | 6,111,000 | 9,193,000 | 12,273,000 |
| Provision for loan losses | 20,000 | 60,000 | 70,000 | 70,000 |
| Pretax income | 653,000 | 1,217,000 | 1,720,000 | 2,130,000 |
| Income tax | 78,000 | 165,000 | 227,000 | 250,000 |
| Net income | 575,000 | 1,052,000 | 1,493,000 | 1,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,744,000 | 34,926,000 | 35,067,000 | 35,154,000 |
| Total capital | 37,128,000 | 37,204,000 | 37,395,000 | 37,445,000 |
| Risk-weighted assets | 275,273,000 | 271,509,000 | 255,091,000 | 258,779,000 |