Call reports 2015
SECURITY FEDERAL SAVINGS BANK — 2015
What SECURITY FEDERAL SAVINGS BANK 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 | 213,245,000 | 219,195,000 | 214,848,000 | 221,945,000 |
| Total loans | 156,840,000 | 157,488,000 | 155,819,000 | 149,820,000 |
| Allowance for loan losses | 2,546,000 | 2,412,000 | 1,986,000 | 1,980,000 |
| Securities available for sale | 25,006,000 | 26,703,000 | 26,670,000 | 25,720,000 |
| Securities held to maturity | 13,000 | 11,000 | 10,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,650,000 | 168,435,000 | 167,321,000 | 173,807,000 |
| Interest-bearing deposits | 144,218,000 | 146,691,000 | 144,842,000 | 148,090,000 |
| Noninterest-bearing deposits | 23,432,000 | 21,744,000 | 22,479,000 | 25,717,000 |
| Equity capital | 26,903,000 | 26,967,000 | 27,210,000 | 27,492,000 |
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 | 2,229,000 | 4,457,000 | 6,728,000 | 8,945,000 |
| Interest expense | 188,000 | 392,000 | 620,000 | 837,000 |
| Net interest income | 2,041,000 | 4,065,000 | 6,108,000 | 8,108,000 |
| Noninterest income | 108,000 | 429,000 | 766,000 | 1,465,000 |
| Noninterest expense | 1,991,000 | 4,019,000 | 6,001,000 | 8,050,000 |
| Provision for loan losses | 551,000 | 610,000 | 789,000 | 945,000 |
| Pretax income | -393,000 | -135,000 | 84,000 | 578,000 |
| Income tax | -219,000 | -196,000 | -195,000 | -82,000 |
| Net income | -174,000 | 61,000 | 279,000 | 660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,373,000 | 26,608,000 | 26,825,000 | 27,206,000 |
| Total capital | 28,089,000 | 28,343,000 | 28,607,000 | 28,926,000 |
| Risk-weighted assets | 136,467,000 | 138,160,000 | 142,317,000 | 137,353,000 |