Call reports 2012
FIRST FEDERAL SAVINGS BANK — 2012
What FIRST FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 342,808,000 | 338,453,000 | 321,325,000 | 318,450,000 |
| Total loans | 248,976,000 | 245,946,000 | 244,673,000 | 252,416,000 |
| Allowance for loan losses | 3,103,000 | 2,988,000 | 3,091,000 | 2,886,000 |
| Securities available for sale | 51,553,000 | 51,280,000 | 48,582,000 | 42,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,308,000 | 238,762,000 | 228,542,000 | 220,538,000 |
| Interest-bearing deposits | 206,791,000 | 205,650,000 | 196,212,000 | 190,484,000 |
| Noninterest-bearing deposits | 35,517,000 | 33,112,000 | 32,330,000 | 30,054,000 |
| Equity capital | 46,846,000 | 47,577,000 | 48,414,000 | 45,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,619,000 | 7,109,000 | 10,609,000 | 13,949,000 |
| Interest expense | 1,079,000 | 2,067,000 | 2,941,000 | 3,725,000 |
| Net interest income | 2,540,000 | 5,042,000 | 7,668,000 | 10,224,000 |
| Noninterest income | 840,000 | 1,716,000 | 2,536,000 | 3,472,000 |
| Noninterest expense | 2,363,000 | 4,716,000 | 7,032,000 | 9,622,000 |
| Provision for loan losses | 160,000 | 210,000 | 310,000 | 310,000 |
| Pretax income | 857,000 | 1,832,000 | 2,862,000 | 3,764,000 |
| Income tax | 306,000 | 654,000 | 1,011,000 | 1,328,000 |
| Net income | 534,000 | 1,157,000 | 1,825,000 | 2,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,992,000 | 46,672,000 | 47,400,000 | 44,537,000 |
| Total capital | 48,465,000 | 49,101,000 | 49,802,000 | 47,011,000 |
| Risk-weighted assets | 197,172,000 | 193,790,000 | 191,445,000 | 197,478,000 |