Call reports 2014
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELTA — 2014
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELTA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 163,596,000 | 164,867,000 | 161,199,000 | 162,194,000 |
| Total loans | 79,716,000 | 82,396,000 | 82,968,000 | 84,075,000 |
| Allowance for loan losses | 179,000 | 179,000 | 163,000 | 163,000 |
| 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 | 144,105,000 | 145,329,000 | 141,587,000 | 142,668,000 |
| Interest-bearing deposits | 123,441,000 | 121,987,000 | 118,015,000 | 119,934,000 |
| Noninterest-bearing deposits | 20,664,000 | 23,342,000 | 23,572,000 | 22,734,000 |
| Equity capital | 18,902,000 | 18,920,000 | 18,967,000 | 18,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,026,000 | 2,049,000 | 3,097,000 | 4,138,000 |
| Interest expense | 52,000 | 101,000 | 142,000 | 180,000 |
| Net interest income | 974,000 | 1,948,000 | 2,955,000 | 3,958,000 |
| Noninterest income | 172,000 | 360,000 | 551,000 | 726,000 |
| Noninterest expense | 1,171,000 | 2,333,000 | 3,487,000 | 4,664,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -25,000 | -25,000 | 19,000 | 20,000 |
| Income tax | -27,000 | -45,000 | -48,000 | -65,000 |
| Net income | 2,000 | 20,000 | 67,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,902,000 | 18,920,000 | 18,967,000 | 18,985,000 |
| Total capital | 19,081,000 | 19,099,000 | 19,130,000 | 19,148,000 |
| Risk-weighted assets | 66,064,000 | 67,135,000 | 66,492,000 | 67,222,000 |