Call reports 2016
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH — 2016
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH 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 | 118,195,000 | 120,216,000 | 132,798,000 | 124,798,000 |
| Total loans | 104,694,000 | 103,739,000 | 105,352,000 | 106,203,000 |
| Allowance for loan losses | 978,000 | 1,031,000 | 1,054,000 | 1,102,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,862,000 | 2,379,000 | 3,389,000 | 3,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,082,000 | 99,854,000 | 112,309,000 | 104,140,000 |
| Interest-bearing deposits | 92,333,000 | 93,716,000 | 104,321,000 | 96,620,000 |
| Noninterest-bearing deposits | 5,749,000 | 6,138,000 | 7,988,000 | 7,520,000 |
| Equity capital | 18,970,000 | 19,123,000 | 19,326,000 | 19,285,000 |
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 | 1,334,000 | 2,648,000 | 4,026,000 | 5,386,000 |
| Interest expense | 95,000 | 188,000 | 282,000 | 378,000 |
| Net interest income | 1,239,000 | 2,460,000 | 3,744,000 | 5,008,000 |
| Noninterest income | 115,000 | 239,000 | 371,000 | 515,000 |
| Noninterest expense | 1,052,000 | 2,128,000 | 3,193,000 | 4,444,000 |
| Provision for loan losses | 48,000 | 96,000 | 144,000 | 192,000 |
| Pretax income | 254,000 | 475,000 | 778,000 | 887,000 |
| Income tax | 85,000 | 158,000 | 258,000 | 366,000 |
| Net income | 169,000 | 317,000 | 520,000 | 521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,241,000 | 19,394,000 | 19,597,000 | 19,600,000 |
| Total capital | 20,139,000 | 20,295,000 | 20,512,000 | 20,523,000 |
| Risk-weighted assets | 71,580,000 | 71,787,000 | 72,926,000 | 73,513,000 |