Call reports 2023
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH — 2023
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 185,057,000 | 182,034,000 | 180,600,000 | 179,139,000 |
| Total loans | 127,987,000 | 130,004,000 | 132,430,000 | 134,978,000 |
| Allowance for loan losses | 1,854,000 | 1,894,000 | 1,899,000 | 1,905,000 |
| Securities available for sale | 26,929,000 | 23,007,000 | 20,768,000 | 19,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,344,000 | 145,903,000 | 148,201,000 | 140,257,000 |
| Interest-bearing deposits | 135,336,000 | 133,536,000 | 134,204,000 | 128,580,000 |
| Noninterest-bearing deposits | 12,008,000 | 12,367,000 | 13,997,000 | 11,677,000 |
| Equity capital | 24,743,000 | 24,760,000 | 24,993,000 | 25,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,736,000 | 3,578,000 | 5,482,000 | 7,413,000 |
| Interest expense | 229,000 | 595,000 | 971,000 | 1,336,000 |
| Net interest income | 1,507,000 | 2,983,000 | 4,511,000 | 6,077,000 |
| Noninterest income | 166,000 | 356,000 | 542,000 | 721,000 |
| Noninterest expense | 1,452,000 | 2,800,000 | 4,231,000 | 5,662,000 |
| Provision for loan losses | 33,000 | 66,000 | 69,000 | 72,000 |
| Pretax income | 188,000 | 473,000 | 753,000 | 1,064,000 |
| Income tax | 38,000 | 98,000 | 157,000 | 316,000 |
| Net income | 150,000 | 375,000 | 596,000 | 748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,405,000 | 25,631,000 | 25,852,000 | 26,004,000 |
| Total capital | 26,672,000 | 26,897,000 | 27,119,000 | 27,269,000 |
| Risk-weighted assets | 100,820,000 | 100,694,000 | 100,777,000 | 100,617,000 |