Call reports 2015
FIRST FEDERAL BANK & TRUST — 2015
What FIRST FEDERAL BANK & TRUST 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 | 230,536,000 | 238,432,000 | 244,325,000 | 252,621,000 |
| Total loans | 126,297,000 | 125,969,000 | 137,234,000 | 140,237,000 |
| Allowance for loan losses | 2,370,000 | 2,438,000 | 2,478,000 | 2,678,000 |
| Securities available for sale | 74,207,000 | 78,922,000 | 75,354,000 | 88,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,609,000 | 196,198,000 | 201,651,000 | 210,904,000 |
| Interest-bearing deposits | 166,887,000 | 171,007,000 | 179,707,000 | 191,084,000 |
| Noninterest-bearing deposits | 21,722,000 | 25,191,000 | 21,945,000 | 19,820,000 |
| Equity capital | 40,585,000 | 40,658,000 | 41,083,000 | 40,420,000 |
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 | 1,811,000 | 3,633,000 | 5,559,000 | 7,563,000 |
| Interest expense | 113,000 | 213,000 | 325,000 | 449,000 |
| Net interest income | 1,698,000 | 3,420,000 | 5,234,000 | 7,114,000 |
| Noninterest income | 439,000 | 1,193,000 | 1,690,000 | 2,403,000 |
| Noninterest expense | 2,216,000 | 4,075,000 | 6,118,000 | 8,220,000 |
| Provision for loan losses | -293,000 | -293,000 | -293,000 | 926,000 |
| Pretax income | 231,000 | 843,000 | 1,108,000 | 388,000 |
| Income tax | -63,000 | 119,000 | 187,000 | 95,000 |
| Net income | 294,000 | 724,000 | 921,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,775,000 | 41,205,000 | 41,402,000 | 40,774,000 |
| Total capital | 42,667,000 | 43,121,000 | 43,447,000 | 42,684,000 |
| Risk-weighted assets | 150,944,000 | 152,764,000 | 163,211,000 | 152,044,000 |