Call reports 2014
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH — 2014
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 116,682,000 | 117,875,000 | 121,035,000 | 116,222,000 |
| Total loans | 105,806,000 | 104,998,000 | 105,794,000 | 106,678,000 |
| Allowance for loan losses | 756,000 | 699,000 | 791,000 | 918,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,000 | 8,000 | 8,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,423,000 | 98,421,000 | 101,650,000 | 97,082,000 |
| Interest-bearing deposits | 92,555,000 | 92,701,000 | 95,396,000 | 91,541,000 |
| Noninterest-bearing deposits | 4,868,000 | 5,720,000 | 6,254,000 | 5,541,000 |
| Equity capital | 18,742,000 | 18,815,000 | 18,786,000 | 18,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,320,000 | 2,637,000 | 3,990,000 | 5,330,000 |
| Interest expense | 126,000 | 252,000 | 374,000 | 490,000 |
| Net interest income | 1,194,000 | 2,385,000 | 3,616,000 | 4,840,000 |
| Noninterest income | 116,000 | 248,000 | 338,000 | 478,000 |
| Noninterest expense | 1,156,000 | 2,335,000 | 3,456,000 | 4,507,000 |
| Provision for loan losses | 30,000 | 60,000 | 221,000 | 380,000 |
| Pretax income | 124,000 | 238,000 | 277,000 | 431,000 |
| Income tax | 41,000 | 81,000 | 149,000 | 156,000 |
| Net income | 83,000 | 157,000 | 128,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,200,000 | 18,273,000 | 18,244,000 | 18,399,000 |
| Total capital | 18,956,000 | 18,972,000 | 19,035,000 | 19,317,000 |
| Risk-weighted assets | 67,349,000 | 66,956,000 | 68,489,000 | 74,792,000 |