Call reports 2019
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK — 2019
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 222,405,000 | 220,366,000 | 221,758,000 | 221,986,000 |
| Total loans | 172,620,000 | 173,438,000 | 172,084,000 | 173,602,000 |
| Allowance for loan losses | 816,000 | 826,000 | 851,000 | 866,000 |
| Securities available for sale | 12,750,000 | 12,510,000 | 12,887,000 | 13,508,000 |
| Securities held to maturity | 14,390,000 | 13,798,000 | 9,390,000 | 9,113,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,069,000 | 176,941,000 | 177,602,000 | 178,334,000 |
| Interest-bearing deposits | 171,082,000 | 167,539,000 | 168,848,000 | 167,953,000 |
| Noninterest-bearing deposits | 7,987,000 | 9,402,000 | 8,754,000 | 10,381,000 |
| Equity capital | 34,515,000 | 34,825,000 | 35,094,000 | 35,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,305,000 | 4,621,000 | 6,985,000 | 9,367,000 |
| Interest expense | 729,000 | 1,452,000 | 2,201,000 | 2,903,000 |
| Net interest income | 1,576,000 | 3,169,000 | 4,784,000 | 6,464,000 |
| Noninterest income | 243,000 | 541,000 | 971,000 | 1,369,000 |
| Noninterest expense | 1,728,000 | 3,391,000 | 5,090,000 | 6,938,000 |
| Provision for loan losses | 0 | 10,000 | 35,000 | 50,000 |
| Pretax income | 91,000 | 309,000 | 630,000 | 845,000 |
| Income tax | 13,000 | 55,000 | 119,000 | 144,000 |
| Net income | 78,000 | 254,000 | 511,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,655,000 | 34,830,000 | 35,088,000 | 35,278,000 |
| Total capital | 35,471,000 | 35,656,000 | 35,939,000 | 36,144,000 |
| Risk-weighted assets | 141,979,000 | 141,421,000 | 134,219,000 | 141,761,000 |