Call reports 2015
FOXBORO FEDERAL SAVINGS — 2015
What FOXBORO FEDERAL SAVINGS 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 | 158,271,000 | 160,135,000 | 160,037,000 | 158,989,000 |
| Total loans | 85,028,000 | 88,344,000 | 90,438,000 | 93,280,000 |
| Allowance for loan losses | 1,000,000 | 1,000,000 | 997,000 | 969,000 |
| Securities available for sale | 36,067,000 | 37,125,000 | 32,190,000 | 32,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,530,000 | 135,599,000 | 134,769,000 | 133,479,000 |
| Interest-bearing deposits | 116,176,000 | 116,675,000 | 114,284,000 | 115,806,000 |
| Noninterest-bearing deposits | 17,354,000 | 18,924,000 | 20,485,000 | 17,673,000 |
| Equity capital | 23,876,000 | 23,631,000 | 24,252,000 | 24,521,000 |
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 | 989,000 | 1,992,000 | 3,037,000 | 4,078,000 |
| Interest expense | 96,000 | 193,000 | 289,000 | 384,000 |
| Net interest income | 893,000 | 1,799,000 | 2,748,000 | 3,694,000 |
| Noninterest income | 207,000 | 400,000 | 605,000 | 802,000 |
| Noninterest expense | 938,000 | 1,882,000 | 2,842,000 | 3,791,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 164,000 | 325,000 | 519,000 | 713,000 |
| Income tax | 12,000 | 16,000 | 30,000 | 44,000 |
| Net income | 152,000 | 309,000 | 489,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,586,000 | 23,736,000 | 23,914,000 | 24,079,000 |
| Total capital | 24,426,000 | 24,599,000 | 24,780,000 | 24,964,000 |
| Risk-weighted assets | 67,118,000 | 68,947,000 | 69,201,000 | 70,717,000 |