Call reports 2014
WARSAW FEDERAL SAVINGS AND LOAN ASSOCIATION — 2014
What WARSAW FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 65,890,000 | 67,340,000 | 68,619,000 | 66,709,000 |
| Total loans | 54,245,000 | 57,345,000 | 56,829,000 | 58,309,000 |
| Allowance for loan losses | 658,000 | 658,000 | 658,000 | 691,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,221,000 | 1,189,000 | 1,151,000 | 1,115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,469,000 | 53,263,000 | 52,802,000 | 51,036,000 |
| Interest-bearing deposits | 51,111,000 | 52,980,000 | 52,385,000 | 50,348,000 |
| Noninterest-bearing deposits | 358,000 | 283,000 | 417,000 | 688,000 |
| Equity capital | 9,393,000 | 9,175,000 | 8,970,000 | 8,793,000 |
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 | 707,000 | 1,469,000 | 2,253,000 | 3,050,000 |
| Interest expense | 113,000 | 229,000 | 355,000 | 479,000 |
| Net interest income | 594,000 | 1,240,000 | 1,898,000 | 2,571,000 |
| Noninterest income | 136,000 | 349,000 | 659,000 | 919,000 |
| Noninterest expense | 1,285,000 | 2,493,000 | 3,742,000 | 4,884,000 |
| Provision for loan losses | 12,000 | 12,000 | 12,000 | 19,000 |
| Pretax income | -567,000 | -916,000 | -1,197,000 | -1,413,000 |
| Income tax | -160,000 | -291,000 | -368,000 | -406,000 |
| Net income | -407,000 | -625,000 | -829,000 | -1,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,380,000 | 9,163,000 | 8,959,000 | 8,782,000 |
| Total capital | 9,831,000 | 9,632,000 | 9,443,000 | 9,259,000 |
| Risk-weighted assets | 35,875,000 | 37,319,000 | 38,508,000 | 37,932,000 |