Call reports 2014
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK — 2014
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 167,719,000 | 176,151,000 | 178,523,000 | 180,837,000 |
| Total loans | 140,527,000 | 145,832,000 | 147,129,000 | 146,328,000 |
| Allowance for loan losses | 744,000 | 792,000 | 732,000 | 796,000 |
| Securities available for sale | 1,077,000 | 989,000 | 897,000 | 808,000 |
| Securities held to maturity | 7,893,000 | 7,704,000 | 8,075,000 | 8,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,674,000 | 127,377,000 | 129,425,000 | 131,601,000 |
| Interest-bearing deposits | 114,355,000 | 116,712,000 | 119,143,000 | 119,187,000 |
| Noninterest-bearing deposits | 10,319,000 | 10,665,000 | 10,282,000 | 12,414,000 |
| Equity capital | 32,907,000 | 33,065,000 | 33,203,000 | 33,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,556,000 | 3,172,000 | 4,802,000 | 6,447,000 |
| Interest expense | 267,000 | 548,000 | 841,000 | 1,136,000 |
| Net interest income | 1,289,000 | 2,624,000 | 3,961,000 | 5,311,000 |
| Noninterest income | 185,000 | 481,000 | 774,000 | 1,011,000 |
| Noninterest expense | 1,394,000 | 2,755,000 | 4,173,000 | 5,437,000 |
| Provision for loan losses | 0 | 47,000 | 68,000 | 148,000 |
| Pretax income | 80,000 | 303,000 | 494,000 | 737,000 |
| Income tax | 28,000 | 93,000 | 148,000 | 221,000 |
| Net income | 52,000 | 210,000 | 346,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,872,000 | 33,026,000 | 32,622,000 | 33,335,000 |
| Total capital | 33,617,000 | 33,819,000 | 33,354,000 | 34,131,000 |
| Risk-weighted assets | 101,629,000 | 110,802,000 | 109,621,000 | 111,418,000 |