Call reports 2015
FIRST FEDERAL BANK, A FSB — 2015
What FIRST FEDERAL BANK, A FSB 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 | 122,167,000 | 128,913,000 | 112,387,000 | 109,752,000 |
| Total loans | 95,711,000 | 102,192,000 | 88,392,000 | 83,258,000 |
| Allowance for loan losses | 974,000 | 658,000 | 696,000 | 590,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,264,000 | 1,256,000 | 1,248,000 | 1,242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,690,000 | 90,190,000 | 90,419,000 | 89,975,000 |
| Interest-bearing deposits | 86,835,000 | 84,911,000 | 86,440,000 | 86,572,000 |
| Noninterest-bearing deposits | 4,855,000 | 5,279,000 | 3,979,000 | 3,403,000 |
| Equity capital | 15,898,000 | 16,210,000 | 16,135,000 | 15,133,000 |
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 | 927,000 | 1,935,000 | 2,864,000 | 3,748,000 |
| Interest expense | 203,000 | 418,000 | 631,000 | 850,000 |
| Net interest income | 724,000 | 1,517,000 | 2,233,000 | 2,898,000 |
| Noninterest income | 2,768,000 | 5,831,000 | 8,175,000 | 9,408,000 |
| Noninterest expense | 3,219,000 | 6,880,000 | 9,987,000 | 13,009,000 |
| Provision for loan losses | 1,000 | -134,000 | -101,000 | -151,000 |
| Pretax income | 272,000 | 602,000 | 522,000 | -552,000 |
| Income tax | 18,000 | 36,000 | 31,000 | -41,000 |
| Net income | 254,000 | 566,000 | 491,000 | -511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,892,000 | 16,204,000 | 16,129,000 | 15,126,000 |
| Total capital | 16,840,000 | 16,848,000 | 16,811,000 | 15,674,000 |
| Risk-weighted assets | 82,378,000 | 82,708,000 | 74,840,000 | 72,330,000 |