Call reports 2012
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK — 2012
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 173,286,000 | 174,238,000 | 173,156,000 | 171,385,000 |
| Total loans | 144,663,000 | 145,079,000 | 143,325,000 | 141,900,000 |
| Allowance for loan losses | 1,210,000 | 1,155,000 | 1,140,000 | 1,014,000 |
| Securities available for sale | 0 | 1,022,000 | 2,048,000 | 1,804,000 |
| Securities held to maturity | 8,181,000 | 8,045,000 | 8,871,000 | 8,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,966,000 | 133,898,000 | 132,405,000 | 129,208,000 |
| Interest-bearing deposits | 123,791,000 | 124,302,000 | 123,285,000 | 119,220,000 |
| Noninterest-bearing deposits | 9,175,000 | 9,596,000 | 9,120,000 | 9,988,000 |
| Equity capital | 31,906,000 | 31,925,000 | 31,930,000 | 31,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,834,000 | 3,612,000 | 5,362,000 | 7,093,000 |
| Interest expense | 662,000 | 1,315,000 | 1,970,000 | 2,481,000 |
| Net interest income | 1,172,000 | 2,297,000 | 3,392,000 | 4,612,000 |
| Noninterest income | 224,000 | 472,000 | 791,000 | 1,274,000 |
| Noninterest expense | 1,276,000 | 2,607,000 | 3,933,000 | 5,533,000 |
| Provision for loan losses | 0 | 0 | 94,000 | 96,000 |
| Pretax income | 120,000 | 162,000 | 156,000 | 257,000 |
| Income tax | 42,000 | 58,000 | 58,000 | 109,000 |
| Net income | 78,000 | 104,000 | 98,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,906,000 | 31,925,000 | 31,930,000 | 32,450,000 |
| Total capital | 33,116,000 | 33,080,000 | 33,070,000 | 33,464,000 |
| Risk-weighted assets | 107,775,000 | 108,276,000 | 105,968,000 | 104,625,000 |