Call reports 2016
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELTA — 2016
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELTA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 157,440,000 | 158,860,000 | 161,223,000 | 162,715,000 |
| Total loans | 86,836,000 | 88,376,000 | 89,366,000 | 89,121,000 |
| Allowance for loan losses | 141,000 | 146,000 | 146,000 | 116,000 |
| Securities available for sale | 8,503,000 | 8,935,000 | 10,295,000 | 12,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,579,000 | 138,696,000 | 140,836,000 | 142,799,000 |
| Interest-bearing deposits | 115,094,000 | 115,678,000 | 117,473,000 | 119,202,000 |
| Noninterest-bearing deposits | 22,485,000 | 23,018,000 | 23,363,000 | 23,597,000 |
| Equity capital | 19,288,000 | 19,459,000 | 19,547,000 | 19,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,109,000 | 2,230,000 | 3,374,000 | 4,511,000 |
| Interest expense | 30,000 | 59,000 | 88,000 | 116,000 |
| Net interest income | 1,079,000 | 2,171,000 | 3,286,000 | 4,395,000 |
| Noninterest income | 147,000 | 299,000 | 466,000 | 632,000 |
| Noninterest expense | 1,140,000 | 2,276,000 | 3,441,000 | 4,701,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 5,000 |
| Pretax income | 86,000 | 189,000 | 306,000 | 321,000 |
| Income tax | 11,000 | 27,000 | 48,000 | 35,000 |
| Net income | 75,000 | 162,000 | 258,000 | 286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,306,000 | 19,393,000 | 19,489,000 | 19,516,000 |
| Total capital | 19,447,000 | 19,539,000 | 19,635,000 | 19,632,000 |
| Risk-weighted assets | 57,218,000 | 57,896,000 | 58,741,000 | 59,170,000 |