Call reports 2013
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH — 2013
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 114,268,000 | 116,764,000 | 119,038,000 | 116,945,000 |
| Total loans | 104,085,000 | 103,690,000 | 104,629,000 | 105,384,000 |
| Allowance for loan losses | 683,000 | 709,000 | 730,000 | 732,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,000 | 10,000 | 9,000 | 9,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,685,000 | 98,075,000 | 100,179,000 | 97,866,000 |
| Interest-bearing deposits | 93,634,000 | 95,789,000 | 94,572,000 | 91,875,000 |
| Noninterest-bearing deposits | 2,051,000 | 2,286,000 | 5,607,000 | 5,991,000 |
| Equity capital | 17,913,000 | 18,049,000 | 18,185,000 | 18,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,327,000 | 2,681,000 | 4,018,000 | 5,358,000 |
| Interest expense | 158,000 | 308,000 | 446,000 | 581,000 |
| Net interest income | 1,169,000 | 2,373,000 | 3,572,000 | 4,777,000 |
| Noninterest income | 117,000 | 254,000 | 405,000 | 530,000 |
| Noninterest expense | 1,163,000 | 2,270,000 | 3,386,000 | 4,593,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 93,000 | 297,000 | 501,000 | 594,000 |
| Income tax | 31,000 | 99,000 | 167,000 | 202,000 |
| Net income | 62,000 | 198,000 | 334,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,873,000 | 18,009,000 | 18,045,000 | 18,117,000 |
| Total capital | 18,556,000 | 18,718,000 | 18,775,000 | 18,849,000 |
| Risk-weighted assets | 65,975,000 | 66,081,000 | 67,314,000 | 67,319,000 |