Call reports 2015
FIRST FEDERAL BANK OF OHIO — 2015
What FIRST FEDERAL BANK OF OHIO 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 | 237,278,000 | 235,240,000 | 231,286,000 | 234,261,000 |
| Total loans | 95,903,000 | 97,111,000 | 96,860,000 | 94,854,000 |
| Allowance for loan losses | 1,115,000 | 923,000 | 917,000 | 901,000 |
| Securities available for sale | 19,203,000 | 18,987,000 | 19,035,000 | 18,919,000 |
| Securities held to maturity | 49,739,000 | 50,927,000 | 49,743,000 | 51,229,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,950,000 | 181,708,000 | 177,397,000 | 180,302,000 |
| Interest-bearing deposits | 159,950,000 | 158,443,000 | 153,010,000 | 153,465,000 |
| Noninterest-bearing deposits | 24,000,000 | 23,265,000 | 24,387,000 | 26,837,000 |
| Equity capital | 34,530,000 | 34,473,000 | 34,484,000 | 34,442,000 |
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 | 1,645,000 | 3,425,000 | 5,113,000 | 6,750,000 |
| Interest expense | 346,000 | 684,000 | 1,012,000 | 1,324,000 |
| Net interest income | 1,299,000 | 2,741,000 | 4,101,000 | 5,426,000 |
| Noninterest income | 328,000 | 695,000 | 1,084,000 | 1,443,000 |
| Noninterest expense | 1,587,000 | 3,226,000 | 4,889,000 | 6,513,000 |
| Provision for loan losses | 32,000 | 103,000 | 160,000 | 181,000 |
| Pretax income | 8,000 | 107,000 | 189,000 | 234,000 |
| Income tax | 0 | 3,000 | 7,000 | 12,000 |
| Net income | 8,000 | 104,000 | 182,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,360,000 | 35,176,000 | 35,291,000 | 35,249,000 |
| Total capital | 36,475,000 | 36,099,000 | 36,208,000 | 36,150,000 |
| Risk-weighted assets | 105,412,000 | 104,499,000 | 103,679,000 | 102,920,000 |