Call reports 2020
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELTA — 2020
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELTA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 164,623,000 | 183,341,000 | 187,525,000 | 199,910,000 |
| Total loans | 85,442,000 | 84,123,000 | 83,256,000 | 83,394,000 |
| Allowance for loan losses | 396,000 | 431,000 | 450,000 | 436,000 |
| Securities available for sale | 28,736,000 | 27,539,000 | 30,521,000 | 43,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,214,000 | 160,418,000 | 164,412,000 | 176,868,000 |
| Interest-bearing deposits | 118,534,000 | 134,284,000 | 137,857,000 | 147,045,000 |
| Noninterest-bearing deposits | 23,680,000 | 26,134,000 | 26,555,000 | 29,823,000 |
| Equity capital | 21,702,000 | 22,000,000 | 22,124,000 | 22,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,251,000 | 2,403,000 | 3,510,000 | 4,684,000 |
| Interest expense | 50,000 | 98,000 | 145,000 | 193,000 |
| Net interest income | 1,201,000 | 2,305,000 | 3,365,000 | 4,491,000 |
| Noninterest income | 153,000 | 327,000 | 516,000 | 761,000 |
| Noninterest expense | 1,284,000 | 2,509,000 | 3,756,000 | 4,925,000 |
| Provision for loan losses | 0 | 35,000 | 76,000 | 87,000 |
| Pretax income | 70,000 | 88,000 | 49,000 | 240,000 |
| Income tax | 4,000 | -2,000 | -89,000 | 9,000 |
| Net income | 66,000 | 90,000 | 138,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,038,000 | 21,063,000 | 21,111,000 | 21,204,000 |
| Total capital | 21,434,000 | 21,494,000 | 21,561,000 | 21,640,000 |
| Risk-weighted assets | 64,611,000 | 65,971,000 | 65,882,000 | 73,077,000 |