Call reports 2012
FIRST FEDERAL SAVINGS BANK OF CRESTON — 2012
What FIRST FEDERAL SAVINGS BANK OF CRESTON 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 | 73,331,000 | 72,416,000 | 75,884,000 | 78,775,000 |
| Total loans | 39,101,000 | 40,719,000 | 42,430,000 | 43,405,000 |
| Allowance for loan losses | 235,000 | 235,000 | 235,000 | 235,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,278,000 | 21,313,000 | 21,657,000 | 23,558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,254,000 | 64,242,000 | 67,510,000 | 70,422,000 |
| Interest-bearing deposits | 60,884,000 | 60,644,000 | 62,644,000 | 65,660,000 |
| Noninterest-bearing deposits | 4,370,000 | 3,598,000 | 4,866,000 | 4,762,000 |
| Equity capital | 7,818,000 | 7,971,000 | 8,099,000 | 8,073,000 |
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 | 742,000 | 1,488,000 | 2,240,000 | 3,010,000 |
| Interest expense | 132,000 | 263,000 | 395,000 | 517,000 |
| Net interest income | 610,000 | 1,225,000 | 1,845,000 | 2,493,000 |
| Noninterest income | 80,000 | 174,000 | 263,000 | 355,000 |
| Noninterest expense | 500,000 | 1,000,000 | 1,480,000 | 1,997,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 190,000 | 399,000 | 628,000 | 846,000 |
| Income tax | 10,000 | 20,000 | 31,000 | 43,000 |
| Net income | 180,000 | 379,000 | 597,000 | 803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,818,000 | 7,971,000 | 8,099,000 | 8,073,000 |
| Total capital | 8,053,000 | 8,206,000 | 8,334,000 | 8,308,000 |
| Risk-weighted assets | 40,951,000 | 42,561,000 | 43,807,000 | 44,757,000 |