Call reports 2014
FRATERNITY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2014
What FRATERNITY 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 | 165,557,000 | 165,420,000 | 162,812,000 | 163,409,000 |
| Total loans | 118,645,000 | 118,621,000 | 117,391,000 | 119,357,000 |
| Allowance for loan losses | 1,528,000 | 1,528,000 | 1,850,000 | 1,650,000 |
| Securities available for sale | 16,432,000 | 16,390,000 | 14,580,000 | 14,120,000 |
| Securities held to maturity | 7,924,000 | 7,761,000 | 9,225,000 | 9,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,463,000 | 120,993,000 | 118,401,000 | 118,708,000 |
| Interest-bearing deposits | 115,538,000 | 114,750,000 | 112,766,000 | 113,203,000 |
| Noninterest-bearing deposits | 5,925,000 | 6,243,000 | 5,635,000 | 5,505,000 |
| Equity capital | 23,235,000 | 23,510,000 | 23,404,000 | 23,749,000 |
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 | 1,568,000 | 3,127,000 | 4,617,000 | 6,142,000 |
| Interest expense | 441,000 | 882,000 | 1,326,000 | 1,770,000 |
| Net interest income | 1,127,000 | 2,245,000 | 3,291,000 | 4,372,000 |
| Noninterest income | 43,000 | 173,000 | 219,000 | 256,000 |
| Noninterest expense | 1,263,000 | 2,463,000 | 3,550,000 | 4,704,000 |
| Provision for loan losses | -3,000 | -94,000 | 225,000 | 27,000 |
| Pretax income | -90,000 | 49,000 | -263,000 | -101,000 |
| Income tax | -47,000 | -23,000 | -195,000 | -185,000 |
| Net income | -43,000 | 72,000 | -68,000 | 84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,663,000 | 23,784,000 | 23,652,000 | 23,813,000 |
| Total capital | 24,840,000 | 24,943,000 | 24,798,000 | 24,949,000 |
| Risk-weighted assets | 93,797,000 | 92,382,000 | 90,972,000 | 90,370,000 |