Call reports 2015
WORTHINGTON FEDERAL SAVINGS BANK, F.S.B. — 2015
What WORTHINGTON FEDERAL SAVINGS BANK, F.S.B. 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 | 73,085,000 | 77,873,000 | 75,796,000 | 74,814,000 |
| Total loans | 45,765,000 | 45,721,000 | 45,857,000 | 45,773,000 |
| Allowance for loan losses | 166,000 | 161,000 | 164,000 | 167,000 |
| Securities available for sale | 384,000 | 383,000 | 384,000 | 382,000 |
| Securities held to maturity | 9,337,000 | 10,184,000 | 10,777,000 | 10,802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,846,000 | 66,343,000 | 64,823,000 | 63,970,000 |
| Interest-bearing deposits | 59,824,000 | 64,102,000 | 62,846,000 | 62,038,000 |
| Noninterest-bearing deposits | 2,022,000 | 2,241,000 | 1,977,000 | 1,932,000 |
| Equity capital | 10,098,000 | 10,210,000 | 10,324,000 | 10,438,000 |
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 | 604,000 | 1,214,000 | 1,829,000 | 2,447,000 |
| Interest expense | 92,000 | 179,000 | 267,000 | 349,000 |
| Net interest income | 512,000 | 1,035,000 | 1,562,000 | 2,098,000 |
| Noninterest income | 10,000 | 20,000 | 40,000 | 55,000 |
| Noninterest expense | 341,000 | 696,000 | 1,044,000 | 1,404,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 178,000 | 353,000 | 549,000 | 737,000 |
| Income tax | 68,000 | 131,000 | 212,000 | 285,000 |
| Net income | 110,000 | 222,000 | 337,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,098,000 | 10,210,000 | 10,324,000 | 10,438,000 |
| Total capital | 10,264,000 | 10,371,000 | 10,488,000 | 10,605,000 |
| Risk-weighted assets | 27,278,000 | 27,677,000 | 27,486,000 | 27,361,000 |