Call reports 2015
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What FIRST 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 | 75,531,000 | 77,240,000 | 76,087,000 | 75,108,000 |
| Total loans | 58,707,000 | 57,748,000 | 57,135,000 | 55,622,000 |
| Allowance for loan losses | 621,000 | 596,000 | 596,000 | 596,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,584,000 | 1,464,000 | 1,276,000 | 12,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,990,000 | 56,593,000 | 55,296,000 | 54,409,000 |
| Interest-bearing deposits | 54,990,000 | 56,593,000 | 55,296,000 | 54,409,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 16,368,000 | 16,478,000 | 16,553,000 | 16,757,000 |
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 | 790,000 | 1,525,000 | 2,247,000 | 2,962,000 |
| Interest expense | 141,000 | 281,000 | 420,000 | 556,000 |
| Net interest income | 649,000 | 1,244,000 | 1,827,000 | 2,406,000 |
| Noninterest income | 9,000 | 19,000 | 15,000 | 20,000 |
| Noninterest expense | 450,000 | 869,000 | 1,345,000 | 1,881,000 |
| Provision for loan losses | 31,000 | 68,000 | 79,000 | 80,000 |
| Pretax income | 177,000 | 326,000 | 418,000 | 465,000 |
| Income tax | 60,000 | 112,000 | 143,000 | 159,000 |
| Net income | 117,000 | 214,000 | 275,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,368,000 | 16,478,000 | 16,553,000 | 16,757,000 |
| Total capital | 16,838,000 | 16,950,000 | 17,024,000 | 17,191,000 |
| Risk-weighted assets | 37,519,000 | 37,650,000 | 37,565,000 | 34,563,000 |