Call reports 2015
SLOVENIAN SAVINGS & LOAN ASSOCIATION OF FRANKLIN-CONEMAUGH — 2015
What SLOVENIAN SAVINGS & LOAN ASSOCIATION OF FRANKLIN-CONEMAUGH 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 | 131,225,000 | 131,787,000 | 130,796,000 | 132,228,000 |
| Total loans | 73,825,000 | 72,666,000 | 72,706,000 | 73,328,000 |
| Allowance for loan losses | 421,000 | 384,000 | 395,000 | 411,000 |
| Securities available for sale | 12,000 | 12,000 | 12,000 | 9,000 |
| Securities held to maturity | 35,067,000 | 35,883,000 | 35,558,000 | 35,529,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,507,000 | 115,910,000 | 114,887,000 | 116,133,000 |
| Interest-bearing deposits | 114,430,000 | 113,645,000 | 112,811,000 | 113,910,000 |
| Noninterest-bearing deposits | 2,077,000 | 2,265,000 | 2,076,000 | 2,223,000 |
| Equity capital | 14,193,000 | 14,317,000 | 14,425,000 | 14,780,000 |
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 | 1,076,000 | 2,115,000 | 3,177,000 | 4,230,000 |
| Interest expense | 181,000 | 354,000 | 528,000 | 703,000 |
| Net interest income | 895,000 | 1,761,000 | 2,649,000 | 3,527,000 |
| Noninterest income | 97,000 | 215,000 | 322,000 | 384,000 |
| Noninterest expense | 789,000 | 1,619,000 | 2,457,000 | 3,141,000 |
| Provision for loan losses | 9,000 | 12,000 | 29,000 | 44,000 |
| Pretax income | 194,000 | 345,000 | 485,000 | 726,000 |
| Income tax | 53,000 | 79,000 | 111,000 | 44,000 |
| Net income | 141,000 | 266,000 | 374,000 | 682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,608,000 | 14,732,000 | 14,840,000 | 15,148,000 |
| Total capital | 15,029,000 | 15,125,000 | 15,245,000 | 15,574,000 |
| Risk-weighted assets | 60,095,000 | 60,861,000 | 60,598,000 | 61,723,000 |