Call reports 2016
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION — 2016
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 73,428,000 | 72,318,000 | 71,372,000 | 70,471,000 |
| Total loans | 54,856,000 | 54,342,000 | 53,268,000 | 54,949,000 |
| Allowance for loan losses | 601,000 | 571,000 | 532,000 | 539,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,066,000 | 975,000 | 893,000 | 7,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,692,000 | 51,487,000 | 50,418,000 | 49,171,000 |
| Interest-bearing deposits | 52,692,000 | 51,487,000 | 50,418,000 | 49,171,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 17,960,000 | 18,035,000 | 18,107,000 | 17,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 680,000 | 1,349,000 | 2,009,000 | 2,663,000 |
| Interest expense | 113,000 | 222,000 | 330,000 | 437,000 |
| Net interest income | 567,000 | 1,127,000 | 1,679,000 | 2,226,000 |
| Noninterest income | 0 | -16,000 | -4,000 | -13,000 |
| Noninterest expense | 536,000 | 989,000 | 1,443,000 | 1,870,000 |
| Provision for loan losses | 0 | -21,000 | -16,000 | 36,000 |
| Pretax income | 31,000 | 143,000 | 248,000 | 307,000 |
| Income tax | 11,000 | 49,000 | 85,000 | 105,000 |
| Net income | 20,000 | 94,000 | 163,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,960,000 | 18,035,000 | 18,107,000 | 17,988,000 |
| Total capital | 18,422,000 | 18,486,000 | 18,555,000 | 18,431,000 |
| Risk-weighted assets | 36,895,000 | 35,966,000 | 35,761,000 | 35,387,000 |