Call reports 2019
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH — 2019
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 134,288,000 | 133,633,000 | 135,763,000 | 134,853,000 |
| Total loans | 114,604,000 | 115,715,000 | 118,145,000 | 117,347,000 |
| Allowance for loan losses | 1,296,000 | 1,331,000 | 1,426,000 | 1,440,000 |
| Securities available for sale | 3,353,000 | 3,128,000 | 3,130,000 | 3,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,651,000 | 108,694,000 | 111,381,000 | 110,329,000 |
| Interest-bearing deposits | 100,236,000 | 100,924,000 | 102,749,000 | 103,388,000 |
| Noninterest-bearing deposits | 7,415,000 | 7,770,000 | 8,632,000 | 6,941,000 |
| Equity capital | 21,803,000 | 22,196,000 | 22,563,000 | 22,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,596,000 | 3,183,000 | 4,809,000 | 6,440,000 |
| Interest expense | 107,000 | 234,000 | 363,000 | 498,000 |
| Net interest income | 1,489,000 | 2,949,000 | 4,446,000 | 5,942,000 |
| Noninterest income | 141,000 | 283,000 | 435,000 | 568,000 |
| Noninterest expense | 1,117,000 | 2,220,000 | 3,377,000 | 4,777,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 480,000 | 946,000 | 1,405,000 | 1,601,000 |
| Income tax | 101,000 | 199,000 | 295,000 | 329,000 |
| Net income | 379,000 | 747,000 | 1,110,000 | 1,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,466,000 | 22,834,000 | 23,196,000 | 23,358,000 |
| Total capital | 23,457,000 | 23,837,000 | 24,220,000 | 24,389,000 |
| Risk-weighted assets | 79,003,000 | 79,964,000 | 81,587,000 | 82,088,000 |