Call reports 2012
FIRST FEDERAL BANK & TRUST — 2012
What FIRST FEDERAL BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 223,454,000 | 220,658,000 | 224,477,000 | 221,548,000 |
| Total loans | 104,053,000 | 100,930,000 | 104,536,000 | 105,970,000 |
| Allowance for loan losses | 2,488,000 | 1,466,000 | 1,391,000 | 1,950,000 |
| Securities available for sale | 74,824,000 | 74,733,000 | 88,047,000 | 88,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,899,000 | 170,484,000 | 174,059,000 | 176,639,000 |
| Interest-bearing deposits | 154,422,000 | 150,260,000 | 149,665,000 | 156,406,000 |
| Noninterest-bearing deposits | 14,477,000 | 20,224,000 | 24,394,000 | 20,233,000 |
| Equity capital | 38,567,000 | 38,940,000 | 39,095,000 | 39,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,762,000 | 3,470,000 | 5,115,000 | 6,835,000 |
| Interest expense | 275,000 | 523,000 | 732,000 | 932,000 |
| Net interest income | 1,487,000 | 2,947,000 | 4,383,000 | 5,903,000 |
| Noninterest income | 462,000 | 1,007,000 | 1,744,000 | 2,418,000 |
| Noninterest expense | 1,597,000 | 3,021,000 | 4,616,000 | 6,242,000 |
| Provision for loan losses | 195,000 | 214,000 | 514,000 | 1,064,000 |
| Pretax income | 157,000 | 799,000 | 1,077,000 | 1,117,000 |
| Income tax | 64,000 | 269,000 | 355,000 | 357,000 |
| Net income | 93,000 | 530,000 | 722,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,149,000 | 38,586,000 | 38,779,000 | 38,817,000 |
| Total capital | 39,543,000 | 39,942,000 | 40,140,000 | 40,239,000 |
| Risk-weighted assets | 110,637,000 | 108,396,000 | 108,852,000 | 113,263,000 |