Call reports 2015
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELTA — 2015
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELTA 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 | 160,423,000 | 158,919,000 | 157,219,000 | 162,271,000 |
| Total loans | 84,093,000 | 85,122,000 | 85,342,000 | 86,396,000 |
| Allowance for loan losses | 163,000 | 140,000 | 140,000 | 141,000 |
| Securities available for sale | 3,000 | 3,000 | 2,053,000 | 5,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,860,000 | 139,243,000 | 137,388,000 | 142,525,000 |
| Interest-bearing deposits | 119,591,000 | 117,194,000 | 115,067,000 | 118,410,000 |
| Noninterest-bearing deposits | 21,269,000 | 22,049,000 | 22,321,000 | 24,115,000 |
| Equity capital | 19,030,000 | 19,100,000 | 19,169,000 | 19,218,000 |
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 | 1,044,000 | 2,084,000 | 3,131,000 | 4,264,000 |
| Interest expense | 34,000 | 69,000 | 101,000 | 133,000 |
| Net interest income | 1,010,000 | 2,015,000 | 3,030,000 | 4,131,000 |
| Noninterest income | 164,000 | 342,000 | 536,000 | 654,000 |
| Noninterest expense | 1,134,000 | 2,238,000 | 3,381,000 | 4,527,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 40,000 | 119,000 | 185,000 | 258,000 |
| Income tax | -5,000 | 4,000 | 6,000 | 12,000 |
| Net income | 45,000 | 115,000 | 179,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,030,000 | 19,100,000 | 19,164,000 | 19,231,000 |
| Total capital | 19,193,000 | 19,240,000 | 19,304,000 | 19,372,000 |
| Risk-weighted assets | 67,604,000 | 61,713,000 | 59,624,000 | 57,873,000 |