Call reports 2015
SECURITY FEDERAL SAVINGS BANK — 2015
What SECURITY FEDERAL SAVINGS BANK 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 | 38,834,000 | 39,291,000 | 38,466,000 | 39,600,000 |
| Total loans | 15,083,000 | 15,425,000 | 15,468,000 | 15,556,000 |
| Allowance for loan losses | 174,000 | 180,000 | 143,000 | 144,000 |
| Securities available for sale | 7,324,000 | 7,506,000 | 7,649,000 | 7,764,000 |
| Securities held to maturity | 4,098,000 | 3,753,000 | 3,565,000 | 3,366,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,393,000 | 28,331,000 | 27,618,000 | 28,900,000 |
| Interest-bearing deposits | 26,900,000 | 27,519,000 | 26,857,000 | 27,918,000 |
| Noninterest-bearing deposits | 1,493,000 | 812,000 | 761,000 | 982,000 |
| Equity capital | 4,345,000 | 4,370,000 | 4,220,000 | 4,146,000 |
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 | 382,000 | 767,000 | 1,139,000 | 1,522,000 |
| Interest expense | 52,000 | 109,000 | 163,000 | 217,000 |
| Net interest income | 330,000 | 658,000 | 976,000 | 1,305,000 |
| Noninterest income | 62,000 | 126,000 | 195,000 | 267,000 |
| Noninterest expense | 338,000 | 693,000 | 1,047,000 | 1,405,000 |
| Provision for loan losses | 6,000 | 12,000 | 21,000 | 27,000 |
| Pretax income | 51,000 | 84,000 | 114,000 | 151,000 |
| Income tax | 4,000 | 7,000 | 9,000 | 12,000 |
| Net income | 47,000 | 77,000 | 105,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,416,000 | 4,446,000 | 4,474,000 | 4,510,000 |
| Total capital | 4,596,000 | 4,631,000 | 4,622,000 | 4,657,000 |
| Risk-weighted assets | 21,326,000 | 22,872,000 | 22,849,000 | 23,070,000 |