Call reports 2015
FRATERNITY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What FRATERNITY FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 163,974,000 | 162,391,000 | 161,403,000 | 161,119,000 |
| Total loans | 120,172,000 | 118,127,000 | 115,577,000 | 114,135,000 |
| Allowance for loan losses | 1,650,000 | 1,650,000 | 1,550,000 | 1,550,000 |
| Securities available for sale | 13,456,000 | 12,873,000 | 12,829,000 | 12,540,000 |
| Securities held to maturity | 8,798,000 | 8,638,000 | 8,260,000 | 8,153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,712,000 | 118,087,000 | 116,850,000 | 116,693,000 |
| Interest-bearing deposits | 112,378,000 | 111,720,000 | 111,136,000 | 111,214,000 |
| Noninterest-bearing deposits | 6,334,000 | 6,367,000 | 5,714,000 | 5,479,000 |
| Equity capital | 23,911,000 | 23,249,000 | 23,418,000 | 23,320,000 |
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 | 1,490,000 | 2,982,000 | 4,413,000 | 5,858,000 |
| Interest expense | 435,000 | 875,000 | 1,322,000 | 1,772,000 |
| Net interest income | 1,055,000 | 2,107,000 | 3,091,000 | 4,086,000 |
| Noninterest income | 48,000 | 109,000 | 183,000 | 228,000 |
| Noninterest expense | 1,039,000 | 2,100,000 | 3,191,000 | 4,229,000 |
| Provision for loan losses | -19,000 | 933,000 | 907,000 | 909,000 |
| Pretax income | 92,000 | -808,000 | -815,000 | -815,000 |
| Income tax | 20,000 | -364,000 | -401,000 | -334,000 |
| Net income | 72,000 | -444,000 | -414,000 | -481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,896,000 | 23,390,000 | 23,431,000 | 23,381,000 |
| Total capital | 25,053,000 | 24,535,000 | 24,565,000 | 24,494,000 |
| Risk-weighted assets | 92,147,000 | 91,156,000 | 90,335,000 | 88,681,000 |