Call reports 2020
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH — 2020
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 137,754,000 | 148,593,000 | 154,477,000 | 160,366,000 |
| Total loans | 114,080,000 | 114,826,000 | 115,576,000 | 113,468,000 |
| Allowance for loan losses | 1,462,000 | 1,547,000 | 1,566,000 | 1,624,000 |
| Securities available for sale | 3,101,000 | 3,717,000 | 4,882,000 | 5,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,875,000 | 123,644,000 | 129,254,000 | 134,991,000 |
| Interest-bearing deposits | 104,786,000 | 113,521,000 | 117,383,000 | 125,633,000 |
| Noninterest-bearing deposits | 8,089,000 | 10,123,000 | 11,871,000 | 9,358,000 |
| Equity capital | 22,964,000 | 23,138,000 | 23,414,000 | 23,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,575,000 | 3,045,000 | 4,581,000 | 6,084,000 |
| Interest expense | 132,000 | 271,000 | 418,000 | 574,000 |
| Net interest income | 1,443,000 | 2,774,000 | 4,163,000 | 5,510,000 |
| Noninterest income | 99,000 | 205,000 | 317,000 | 440,000 |
| Noninterest expense | 1,170,000 | 2,292,000 | 3,421,000 | 4,713,000 |
| Provision for loan losses | 18,000 | 126,000 | 195,000 | 258,000 |
| Pretax income | 354,000 | 561,000 | 864,000 | 979,000 |
| Income tax | 74,000 | 118,000 | 160,000 | 233,000 |
| Net income | 280,000 | 443,000 | 704,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,638,000 | 23,802,000 | 24,063,000 | 24,105,000 |
| Total capital | 24,628,000 | 24,829,000 | 25,116,000 | 25,122,000 |
| Risk-weighted assets | 78,799,000 | 81,654,000 | 83,731,000 | 80,825,000 |