Call reports 2012
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA — 2012
What FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 166,406,000 | 165,727,000 | 165,146,000 | 165,085,000 |
| Total loans | 136,356,000 | 135,645,000 | 134,645,000 | 133,762,000 |
| Allowance for loan losses | 542,000 | 589,000 | 521,000 | 723,000 |
| Securities available for sale | 1,848,000 | 2,118,000 | 4,106,000 | 4,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,125,000 | 125,066,000 | 124,087,000 | 124,703,000 |
| Interest-bearing deposits | 123,342,000 | 122,361,000 | 121,011,000 | 121,560,000 |
| Noninterest-bearing deposits | 2,783,000 | 2,705,000 | 3,076,000 | 3,143,000 |
| Equity capital | 28,119,000 | 28,209,000 | 28,300,000 | 27,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,016,000 | 3,932,000 | 5,794,000 | 7,611,000 |
| Interest expense | 423,000 | 801,000 | 1,175,000 | 1,526,000 |
| Net interest income | 1,593,000 | 3,131,000 | 4,619,000 | 6,085,000 |
| Noninterest income | 426,000 | 598,000 | 774,000 | 901,000 |
| Noninterest expense | 1,475,000 | 2,992,000 | 4,476,000 | 6,126,000 |
| Provision for loan losses | 321,000 | 396,000 | 471,000 | 908,000 |
| Pretax income | 223,000 | 358,000 | 463,000 | -31,000 |
| Income tax | -24,000 | 11,000 | 35,000 | -132,000 |
| Net income | 247,000 | 347,000 | 428,000 | 101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,101,000 | 28,202,000 | 28,281,000 | 27,464,000 |
| Total capital | 28,643,000 | 28,791,000 | 28,802,000 | 28,187,000 |
| Risk-weighted assets | 98,189,000 | 95,180,000 | 94,306,000 | 97,254,000 |