Call reports 2012
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF MCMINNVILLE — 2012
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF MCMINNVILLE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 341,833,000 | 342,021,000 | 345,641,000 | 347,030,000 |
| Total loans | 233,093,000 | 226,649,000 | 215,141,000 | 212,709,000 |
| Allowance for loan losses | 3,306,000 | 3,359,000 | 3,212,000 | 3,436,000 |
| Securities available for sale | 6,021,000 | 22,397,000 | 37,356,000 | 42,408,000 |
| Securities held to maturity | 308,000 | 308,000 | 308,000 | 309,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,755,000 | 289,521,000 | 292,308,000 | 293,747,000 |
| Interest-bearing deposits | 272,375,000 | 271,969,000 | 273,427,000 | 274,261,000 |
| Noninterest-bearing deposits | 17,380,000 | 17,552,000 | 18,881,000 | 19,486,000 |
| Equity capital | 50,001,000 | 50,330,000 | 50,930,000 | 51,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,425,000 | 6,924,000 | 10,339,000 | 13,421,000 |
| Interest expense | 520,000 | 972,000 | 1,362,000 | 1,695,000 |
| Net interest income | 2,905,000 | 5,952,000 | 8,977,000 | 11,726,000 |
| Noninterest income | -256,000 | 7,000 | 81,000 | 381,000 |
| Noninterest expense | 2,600,000 | 5,070,000 | 7,663,000 | 10,256,000 |
| Provision for loan losses | 3,300,000 | 3,600,000 | 4,100,000 | 4,420,000 |
| Pretax income | -3,251,000 | -2,711,000 | -2,705,000 | -2,569,000 |
| Income tax | -975,000 | -813,000 | -1,385,000 | -1,334,000 |
| Net income | -2,276,000 | -1,898,000 | -1,320,000 | -1,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,996,000 | 50,374,000 | 50,953,000 | 51,037,000 |
| Total capital | 52,336,000 | 52,762,000 | 53,360,000 | 53,399,000 |
| Risk-weighted assets | 193,343,000 | 192,692,000 | 191,754,000 | 187,874,000 |