Call reports 2013
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK — 2013
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 164,490,000 | 165,356,000 | 163,672,000 | 167,187,000 |
| Total loans | 138,692,000 | 138,404,000 | 138,003,000 | 140,626,000 |
| Allowance for loan losses | 898,000 | 853,000 | 840,000 | 859,000 |
| Securities available for sale | 1,685,000 | 1,469,000 | 1,305,000 | 1,168,000 |
| Securities held to maturity | 7,985,000 | 7,242,000 | 7,123,000 | 8,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,837,000 | 125,495,000 | 123,686,000 | 126,247,000 |
| Interest-bearing deposits | 115,436,000 | 115,265,000 | 114,132,000 | 114,432,000 |
| Noninterest-bearing deposits | 9,401,000 | 10,230,000 | 9,554,000 | 11,815,000 |
| Equity capital | 32,053,000 | 32,199,000 | 32,219,000 | 32,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,672,000 | 3,298,000 | 4,882,000 | 6,489,000 |
| Interest expense | 403,000 | 758,000 | 1,087,000 | 1,384,000 |
| Net interest income | 1,269,000 | 2,540,000 | 3,795,000 | 5,105,000 |
| Noninterest income | 274,000 | 611,000 | 813,000 | 1,101,000 |
| Noninterest expense | 1,372,000 | 2,754,000 | 4,168,000 | 5,606,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 29,000 |
| Pretax income | 171,000 | 396,000 | 439,000 | 571,000 |
| Income tax | 59,000 | 137,000 | 153,000 | 201,000 |
| Net income | 112,000 | 259,000 | 286,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,561,000 | 32,710,000 | 32,736,000 | 32,821,000 |
| Total capital | 33,459,000 | 33,563,000 | 33,576,000 | 33,680,000 |
| Risk-weighted assets | 100,531,000 | 99,760,000 | 98,478,000 | 100,388,000 |