Call reports 2015
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH — 2015
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH 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 | 115,135,000 | 115,388,000 | 120,110,000 | 120,370,000 |
| Total loans | 106,572,000 | 105,520,000 | 103,966,000 | 104,694,000 |
| Allowance for loan losses | 935,000 | 938,000 | 889,000 | 939,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,000 | 383,000 | 1,484,000 | 1,683,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,849,000 | 95,828,000 | 100,525,000 | 100,438,000 |
| Interest-bearing deposits | 91,088,000 | 90,212,000 | 93,022,000 | 93,382,000 |
| Noninterest-bearing deposits | 4,761,000 | 5,616,000 | 7,503,000 | 7,056,000 |
| Equity capital | 18,566,000 | 18,770,000 | 18,899,000 | 18,796,000 |
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 | 1,335,000 | 2,688,000 | 3,997,000 | 5,315,000 |
| Interest expense | 108,000 | 206,000 | 307,000 | 412,000 |
| Net interest income | 1,227,000 | 2,482,000 | 3,690,000 | 4,903,000 |
| Noninterest income | 124,000 | 268,000 | 410,000 | 538,000 |
| Noninterest expense | 1,128,000 | 2,161,000 | 3,224,000 | 4,270,000 |
| Provision for loan losses | 60,000 | 120,000 | 217,000 | 277,000 |
| Pretax income | 163,000 | 469,000 | 659,000 | 894,000 |
| Income tax | 54,000 | 156,000 | 219,000 | 329,000 |
| Net income | 109,000 | 313,000 | 440,000 | 565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,798,000 | 18,712,000 | 18,841,000 | 19,067,000 |
| Total capital | 19,679,000 | 19,572,000 | 19,730,000 | 19,971,000 |
| Risk-weighted assets | 70,444,000 | 68,498,000 | 72,900,000 | 72,126,000 |