Call reports 2016
FIRST FEDERAL BANK & TRUST — 2016
What FIRST FEDERAL BANK & TRUST 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 | 263,510,000 | 257,773,000 | 256,704,000 | 266,130,000 |
| Total loans | 141,349,000 | 151,571,000 | 158,920,000 | 161,226,000 |
| Allowance for loan losses | 2,740,000 | 2,826,000 | 2,976,000 | 2,434,000 |
| Securities available for sale | 94,088,000 | 90,535,000 | 76,997,000 | 67,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,104,000 | 212,726,000 | 213,257,000 | 223,207,000 |
| Interest-bearing deposits | 200,956,000 | 188,024,000 | 188,925,000 | 200,062,000 |
| Noninterest-bearing deposits | 20,148,000 | 24,702,000 | 24,333,000 | 23,145,000 |
| Equity capital | 40,861,000 | 41,284,000 | 41,363,000 | 40,995,000 |
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 | 1,968,000 | 4,180,000 | 6,346,000 | 8,639,000 |
| Interest expense | 144,000 | 306,000 | 465,000 | 634,000 |
| Net interest income | 1,824,000 | 3,874,000 | 5,881,000 | 8,005,000 |
| Noninterest income | 524,000 | 1,169,000 | 2,028,000 | 3,214,000 |
| Noninterest expense | 2,337,000 | 4,665,000 | 7,041,000 | 9,466,000 |
| Provision for loan losses | 29,000 | 122,000 | 402,000 | 620,000 |
| Pretax income | -18,000 | 259,000 | 483,000 | 1,154,000 |
| Income tax | -121,000 | 23,000 | 112,000 | 238,000 |
| Net income | 103,000 | 236,000 | 371,000 | 916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,861,000 | 41,009,000 | 41,145,000 | 41,794,000 |
| Total capital | 42,866,000 | 43,018,000 | 43,225,000 | 43,986,000 |
| Risk-weighted assets | 159,692,000 | 159,905,000 | 165,580,000 | 175,189,000 |