Call reports 2013
FRATERNITY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2013
What FRATERNITY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 166,717,000 | 165,863,000 | 165,220,000 | 166,352,000 |
| Total loans | 114,266,000 | 117,399,000 | 117,151,000 | 116,106,000 |
| Allowance for loan losses | 1,350,000 | 1,350,000 | 1,501,000 | 1,528,000 |
| Securities available for sale | 19,229,000 | 17,666,000 | 16,965,000 | 16,355,000 |
| Securities held to maturity | 7,480,000 | 7,345,000 | 7,272,000 | 8,069,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,117,000 | 121,529,000 | 120,996,000 | 122,533,000 |
| Interest-bearing deposits | 114,812,000 | 113,879,000 | 114,878,000 | 116,747,000 |
| Noninterest-bearing deposits | 7,305,000 | 7,650,000 | 6,118,000 | 5,786,000 |
| Equity capital | 23,857,000 | 23,504,000 | 23,332,000 | 23,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,600,000 | 3,182,000 | 4,782,000 | 6,350,000 |
| Interest expense | 523,000 | 1,023,000 | 1,507,000 | 1,986,000 |
| Net interest income | 1,077,000 | 2,159,000 | 3,275,000 | 4,364,000 |
| Noninterest income | 86,000 | 151,000 | 204,000 | 265,000 |
| Noninterest expense | 1,104,000 | 2,144,000 | 3,351,000 | 4,635,000 |
| Provision for loan losses | 21,000 | -12,000 | 131,000 | 223,000 |
| Pretax income | 81,000 | 221,000 | 40,000 | -186,000 |
| Income tax | 11,000 | 43,000 | -51,000 | -94,000 |
| Net income | 70,000 | 178,000 | 91,000 | -92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,849,000 | 23,962,000 | 23,878,000 | 23,700,000 |
| Total capital | 25,002,000 | 25,130,000 | 25,037,000 | 24,857,000 |
| Risk-weighted assets | 92,052,000 | 93,289,000 | 92,391,000 | 92,185,000 |