Call reports 2015
1ST FEDERAL SAVINGS BANK OF SC, INC. — 2015
What 1ST FEDERAL SAVINGS BANK OF SC, INC. 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 | 71,322,000 | 71,721,000 | 72,325,000 | 73,869,000 |
| Total loans | 43,781,000 | 45,257,000 | 47,258,000 | 46,738,000 |
| Allowance for loan losses | 975,000 | 920,000 | 863,000 | 771,000 |
| Securities available for sale | 14,984,000 | 15,640,000 | 15,540,000 | 14,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,427,000 | 64,997,000 | 65,377,000 | 66,682,000 |
| Interest-bearing deposits | 57,946,000 | 57,749,000 | 57,919,000 | 58,810,000 |
| Noninterest-bearing deposits | 7,481,000 | 7,248,000 | 7,458,000 | 7,872,000 |
| Equity capital | 4,041,000 | 3,873,000 | 4,080,000 | 4,447,000 |
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 | 655,000 | 1,305,000 | 1,952,000 | 2,658,000 |
| Interest expense | 25,000 | 50,000 | 76,000 | 101,000 |
| Net interest income | 630,000 | 1,255,000 | 1,876,000 | 2,557,000 |
| Noninterest income | 26,000 | 301,000 | 543,000 | 1,071,000 |
| Noninterest expense | 880,000 | 1,752,000 | 2,676,000 | 3,477,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -224,000 | -196,000 | -257,000 | 151,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -224,000 | -196,000 | -257,000 | 151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,577,000 | 5,607,000 | 5,569,000 | 5,977,000 |
| Total capital | 6,056,000 | 6,109,000 | 6,041,000 | 6,440,000 |
| Risk-weighted assets | 37,860,000 | 39,751,000 | 37,394,000 | 36,756,000 |