Call reports 2012
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELTA — 2012
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELTA 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 | 162,914,000 | 163,848,000 | 163,117,000 | 166,022,000 |
| Total loans | 84,934,000 | 83,492,000 | 83,235,000 | 82,198,000 |
| Allowance for loan losses | 353,000 | 351,000 | 325,000 | 325,000 |
| Securities available for sale | 3,000 | 3,000 | 3,000 | 3,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,680,000 | 144,558,000 | 143,644,000 | 146,506,000 |
| Interest-bearing deposits | 122,544,000 | 122,869,000 | 122,319,000 | 124,796,000 |
| Noninterest-bearing deposits | 21,136,000 | 21,689,000 | 21,325,000 | 21,710,000 |
| Equity capital | 18,537,000 | 18,562,000 | 18,654,000 | 18,697,000 |
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 | 1,207,000 | 2,385,000 | 3,549,000 | 4,685,000 |
| Interest expense | 159,000 | 291,000 | 409,000 | 515,000 |
| Net interest income | 1,048,000 | 2,094,000 | 3,140,000 | 4,170,000 |
| Noninterest income | 160,000 | 285,000 | 465,000 | 641,000 |
| Noninterest expense | 1,210,000 | 2,369,000 | 3,486,000 | 4,655,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -2,000 | 10,000 | 119,000 | 156,000 |
| Income tax | -18,000 | -31,000 | -14,000 | -20,000 |
| Net income | 16,000 | 41,000 | 133,000 | 176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,537,000 | 18,562,000 | 18,654,000 | 18,697,000 |
| Total capital | 18,890,000 | 18,913,000 | 18,979,000 | 19,022,000 |
| Risk-weighted assets | 67,969,000 | 67,465,000 | 67,108,000 | 67,281,000 |