Call reports 2015
AMORY FIRST SAVINGS AND LOAN BANK, SSB — 2015
What AMORY FIRST SAVINGS AND LOAN BANK, SSB 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 | 94,848,000 | 93,416,000 | 91,457,000 | 90,413,000 |
| Total loans | 67,945,000 | 67,110,000 | 67,295,000 | 66,896,000 |
| Allowance for loan losses | 561,000 | 514,000 | 512,000 | 590,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,993,000 | 4,994,000 | 4,994,000 | 4,573,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,694,000 | 83,158,000 | 80,958,000 | 79,976,000 |
| Interest-bearing deposits | 84,694,000 | 83,158,000 | 80,958,000 | 79,976,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 10,022,000 | 10,168,000 | 10,280,000 | 10,330,000 |
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 | 845,000 | 1,667,000 | 2,481,000 | 3,293,000 |
| Interest expense | 171,000 | 341,000 | 508,000 | 669,000 |
| Net interest income | 674,000 | 1,326,000 | 1,973,000 | 2,624,000 |
| Noninterest income | -50,000 | -43,000 | -38,000 | -41,000 |
| Noninterest expense | 531,000 | 969,000 | 1,510,000 | 1,986,000 |
| Provision for loan losses | 177,000 | 215,000 | 215,000 | 278,000 |
| Pretax income | 32,000 | 215,000 | 326,000 | 435,000 |
| Income tax | 12,000 | 49,000 | 48,000 | 107,000 |
| Net income | 20,000 | 166,000 | 278,000 | 328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,022,000 | 10,168,000 | 10,280,000 | 10,330,000 |
| Total capital | 10,583,000 | 10,682,000 | 10,792,000 | 10,870,000 |
| Risk-weighted assets | 45,112,000 | 44,240,000 | 43,864,000 | 43,261,000 |