Call reports 2013
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELTA — 2013
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELTA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 164,295,000 | 163,527,000 | 160,724,000 | 160,925,000 |
| Total loans | 80,546,000 | 81,023,000 | 81,109,000 | 80,310,000 |
| Allowance for loan losses | 325,000 | 201,000 | 179,000 | 179,000 |
| 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 | 144,925,000 | 144,053,000 | 141,136,000 | 141,460,000 |
| Interest-bearing deposits | 124,652,000 | 122,650,000 | 119,684,000 | 119,985,000 |
| Noninterest-bearing deposits | 20,273,000 | 21,403,000 | 21,452,000 | 21,475,000 |
| Equity capital | 18,761,000 | 18,828,000 | 18,879,000 | 18,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,110,000 | 2,174,000 | 3,238,000 | 4,285,000 |
| Interest expense | 93,000 | 174,000 | 241,000 | 302,000 |
| Net interest income | 1,017,000 | 2,000,000 | 2,997,000 | 3,983,000 |
| Noninterest income | 124,000 | 302,000 | 482,000 | 655,000 |
| Noninterest expense | 1,071,000 | 2,156,000 | 3,287,000 | 4,441,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 70,000 | 146,000 | 192,000 | 197,000 |
| Income tax | 7,000 | 15,000 | 10,000 | -6,000 |
| Net income | 63,000 | 131,000 | 182,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,761,000 | 18,828,000 | 18,879,000 | 18,900,000 |
| Total capital | 19,086,000 | 19,029,000 | 19,058,000 | 19,079,000 |
| Risk-weighted assets | 66,327,000 | 66,392,000 | 65,943,000 | 65,628,000 |