Call reports 2012
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF INDEPENDENCE — 2012
What FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF INDEPENDENCE 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 | 168,864,000 | 162,578,000 | 158,810,000 | 157,496,000 |
| Total loans | 105,633,000 | 99,315,000 | 93,783,000 | 88,709,000 |
| Allowance for loan losses | 2,795,000 | 2,596,000 | 2,434,000 | 2,242,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,386,000 | 13,223,000 | 17,573,000 | 15,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,927,000 | 111,755,000 | 107,935,000 | 107,060,000 |
| Interest-bearing deposits | 110,654,000 | 104,782,000 | 99,921,000 | 98,814,000 |
| Noninterest-bearing deposits | 7,273,000 | 6,973,000 | 8,014,000 | 8,246,000 |
| Equity capital | 15,208,000 | 15,330,000 | 15,254,000 | 15,208,000 |
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 | 1,868,000 | 3,648,000 | 5,323,000 | 6,884,000 |
| Interest expense | 641,000 | 1,241,000 | 1,818,000 | 2,369,000 |
| Net interest income | 1,227,000 | 2,407,000 | 3,505,000 | 4,515,000 |
| Noninterest income | 305,000 | 423,000 | 414,000 | 679,000 |
| Noninterest expense | 1,401,000 | 2,665,000 | 4,001,000 | 5,241,000 |
| Provision for loan losses | 25,000 | 125,000 | 10,000 | 109,000 |
| Pretax income | 106,000 | 40,000 | -92,000 | -156,000 |
| Income tax | -31,000 | -219,000 | -275,000 | -293,000 |
| Net income | 137,000 | 259,000 | 183,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,208,000 | 15,330,000 | 15,254,000 | 13,336,000 |
| Total capital | 16,419,000 | 16,488,000 | 16,366,000 | 14,382,000 |
| Risk-weighted assets | 95,269,000 | 91,179,000 | 87,629,000 | 82,506,000 |