Call reports 2015
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK — 2015
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 178,067,000 | 177,722,000 | 178,894,000 | 183,838,000 |
| Total loans | 147,124,000 | 148,193,000 | 149,294,000 | 149,734,000 |
| Allowance for loan losses | 795,000 | 769,000 | 677,000 | 668,000 |
| Securities available for sale | 771,000 | 1,231,000 | 1,177,000 | 1,117,000 |
| Securities held to maturity | 7,200,000 | 8,079,000 | 8,318,000 | 10,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,804,000 | 130,758,000 | 131,651,000 | 136,149,000 |
| Interest-bearing deposits | 118,079,000 | 118,400,000 | 120,468,000 | 123,479,000 |
| Noninterest-bearing deposits | 11,725,000 | 12,358,000 | 11,183,000 | 12,670,000 |
| Equity capital | 33,396,000 | 33,485,000 | 33,578,000 | 33,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,608,000 | 3,305,000 | 4,952,000 | 6,631,000 |
| Interest expense | 285,000 | 577,000 | 874,000 | 1,179,000 |
| Net interest income | 1,323,000 | 2,728,000 | 4,078,000 | 5,452,000 |
| Noninterest income | 236,000 | 510,000 | 748,000 | 989,000 |
| Noninterest expense | 1,420,000 | 2,883,000 | 4,308,000 | 5,773,000 |
| Provision for loan losses | 35,000 | 129,000 | 168,000 | 204,000 |
| Pretax income | 104,000 | 226,000 | 350,000 | 464,000 |
| Income tax | 24,000 | 54,000 | 84,000 | 114,000 |
| Net income | 80,000 | 172,000 | 266,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,417,000 | 33,509,000 | 33,603,000 | 33,756,000 |
| Total capital | 34,212,000 | 34,278,000 | 34,280,000 | 34,424,000 |
| Risk-weighted assets | 117,518,000 | 120,525,000 | 121,154,000 | 122,550,000 |