Call reports 2016
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK — 2016
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 184,727,000 | 185,634,000 | 187,555,000 | 191,206,000 |
| Total loans | 149,173,000 | 148,023,000 | 147,967,000 | 148,590,000 |
| Allowance for loan losses | 658,000 | 660,000 | 658,000 | 662,000 |
| Securities available for sale | 1,086,000 | 997,000 | 2,178,000 | 7,402,000 |
| Securities held to maturity | 10,117,000 | 10,435,000 | 10,778,000 | 11,849,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,730,000 | 139,210,000 | 141,922,000 | 146,442,000 |
| Interest-bearing deposits | 124,394,000 | 125,578,000 | 127,469,000 | 131,590,000 |
| Noninterest-bearing deposits | 12,336,000 | 13,632,000 | 14,453,000 | 14,852,000 |
| Equity capital | 33,619,000 | 33,124,000 | 33,250,000 | 33,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,657,000 | 3,321,000 | 4,994,000 | 6,671,000 |
| Interest expense | 305,000 | 621,000 | 949,000 | 1,287,000 |
| Net interest income | 1,352,000 | 2,700,000 | 4,045,000 | 5,384,000 |
| Noninterest income | 212,000 | 532,000 | 810,000 | 1,140,000 |
| Noninterest expense | 1,457,000 | 4,073,000 | 5,555,000 | 7,058,000 |
| Provision for loan losses | -1,000 | 0 | 0 | 1,000 |
| Pretax income | 108,000 | -841,000 | -700,000 | -535,000 |
| Income tax | 24,000 | -283,000 | -270,000 | -223,000 |
| Net income | 84,000 | -558,000 | -430,000 | -312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,771,000 | 33,128,000 | 33,256,000 | 33,375,000 |
| Total capital | 34,429,000 | 33,788,000 | 33,914,000 | 34,037,000 |
| Risk-weighted assets | 119,413,000 | 118,861,000 | 117,346,000 | 119,897,000 |