Call reports 2012
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH — 2012
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH 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 | 112,779,000 | 114,377,000 | 121,331,000 | 115,115,000 |
| Total loans | 102,747,000 | 102,296,000 | 102,642,000 | 103,752,000 |
| Allowance for loan losses | 689,000 | 645,000 | 553,000 | 653,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,000 | 15,000 | 13,000 | 12,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,070,000 | 94,914,000 | 102,219,000 | 96,652,000 |
| Interest-bearing deposits | 90,138,000 | 90,096,000 | 92,452,000 | 91,731,000 |
| Noninterest-bearing deposits | 3,932,000 | 4,818,000 | 9,767,000 | 4,921,000 |
| Equity capital | 18,004,000 | 18,121,000 | 18,159,000 | 17,850,000 |
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 | 1,427,000 | 2,811,000 | 4,204,000 | 5,577,000 |
| Interest expense | 201,000 | 392,000 | 574,000 | 747,000 |
| Net interest income | 1,226,000 | 2,419,000 | 3,630,000 | 4,830,000 |
| Noninterest income | 113,000 | 239,000 | 373,000 | 474,000 |
| Noninterest expense | 1,140,000 | 2,252,000 | 3,476,000 | 4,687,000 |
| Provision for loan losses | 30,000 | 62,000 | 123,000 | 185,000 |
| Pretax income | 169,000 | 344,000 | 404,000 | 432,000 |
| Income tax | 53,000 | 111,000 | 133,000 | 140,000 |
| Net income | 116,000 | 233,000 | 271,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,561,000 | 17,678,000 | 17,716,000 | 17,810,000 |
| Total capital | 18,250,000 | 18,323,000 | 18,269,000 | 18,463,000 |
| Risk-weighted assets | 69,979,000 | 68,892,000 | 70,469,000 | 69,499,000 |