Call reports 2013
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF INDEPENDENCE — 2013
What FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF INDEPENDENCE 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 | 155,985,000 | 146,812,000 | 140,283,000 | 136,971,000 |
| Total loans | 85,180,000 | 83,358,000 | 80,629,000 | 78,608,000 |
| Allowance for loan losses | 2,051,000 | 1,954,000 | 1,862,000 | 1,861,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,251,000 | 22,662,000 | 21,431,000 | 20,652,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,315,000 | 101,142,000 | 97,418,000 | 93,698,000 |
| Interest-bearing deposits | 96,418,000 | 93,083,000 | 89,501,000 | 86,270,000 |
| Noninterest-bearing deposits | 8,897,000 | 8,059,000 | 7,917,000 | 7,428,000 |
| Equity capital | 15,273,000 | 15,028,000 | 12,851,000 | 13,067,000 |
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 | 1,494,000 | 2,954,000 | 4,360,000 | 5,757,000 |
| Interest expense | 513,000 | 970,000 | 1,316,000 | 1,587,000 |
| Net interest income | 981,000 | 1,984,000 | 3,044,000 | 4,170,000 |
| Noninterest income | 99,000 | 349,000 | 641,000 | 955,000 |
| Noninterest expense | 1,250,000 | 2,956,000 | 4,199,000 | 5,423,000 |
| Provision for loan losses | 0 | -40,000 | -15,000 | -15,000 |
| Pretax income | -170,000 | -583,000 | -499,000 | -283,000 |
| Income tax | -235,000 | -403,000 | 1,858,000 | 1,858,000 |
| Net income | 65,000 | -180,000 | -2,357,000 | -2,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,439,000 | 12,767,000 | 12,851,000 | 13,067,000 |
| Total capital | 14,442,000 | 13,720,000 | 13,784,000 | 13,909,000 |
| Risk-weighted assets | 79,085,000 | 75,155,000 | 73,567,000 | 66,211,000 |