Call reports 2018
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH — 2018
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 127,230,000 | 128,234,000 | 130,602,000 | 134,013,000 |
| Total loans | 107,752,000 | 108,967,000 | 109,854,000 | 115,031,000 |
| Allowance for loan losses | 1,261,000 | 1,256,000 | 1,261,000 | 1,265,000 |
| Securities available for sale | 4,085,000 | 4,037,000 | 4,034,000 | 3,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,668,000 | 104,763,000 | 107,812,000 | 108,395,000 |
| Interest-bearing deposits | 97,804,000 | 97,143,000 | 98,935,000 | 100,623,000 |
| Noninterest-bearing deposits | 6,864,000 | 7,620,000 | 8,877,000 | 7,772,000 |
| Equity capital | 20,674,000 | 20,995,000 | 21,314,000 | 21,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,442,000 | 2,875,000 | 4,374,000 | 5,901,000 |
| Interest expense | 87,000 | 176,000 | 268,000 | 365,000 |
| Net interest income | 1,355,000 | 2,699,000 | 4,106,000 | 5,536,000 |
| Noninterest income | 126,000 | 268,000 | 420,000 | 563,000 |
| Noninterest expense | 1,065,000 | 2,100,000 | 3,215,000 | 4,452,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 383,000 | 801,000 | 1,212,000 | 1,515,000 |
| Income tax | 80,000 | 168,000 | 254,000 | 345,000 |
| Net income | 303,000 | 633,000 | 958,000 | 1,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,220,000 | 21,550,000 | 21,874,000 | 22,087,000 |
| Total capital | 22,160,000 | 22,504,000 | 22,837,000 | 23,088,000 |
| Risk-weighted assets | 74,935,000 | 76,033,000 | 76,795,000 | 79,851,000 |