Call reports 2013
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA — 2013
What FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 166,506,000 | 167,628,000 | 167,629,000 | 161,703,000 |
| Total loans | 133,499,000 | 130,385,000 | 129,928,000 | 129,836,000 |
| Allowance for loan losses | 673,000 | 713,000 | 640,000 | 850,000 |
| Securities available for sale | 4,143,000 | 4,528,000 | 6,190,000 | 6,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,728,000 | 126,413,000 | 126,063,000 | 120,901,000 |
| Interest-bearing deposits | 121,858,000 | 122,668,000 | 122,163,000 | 117,081,000 |
| Noninterest-bearing deposits | 3,870,000 | 3,745,000 | 3,900,000 | 3,820,000 |
| Equity capital | 28,043,000 | 28,122,000 | 28,146,000 | 28,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,828,000 | 3,646,000 | 5,379,000 | 7,194,000 |
| Interest expense | 324,000 | 634,000 | 928,000 | 1,200,000 |
| Net interest income | 1,504,000 | 3,012,000 | 4,451,000 | 5,994,000 |
| Noninterest income | 127,000 | 375,000 | 511,000 | 672,000 |
| Noninterest expense | 1,457,000 | 2,966,000 | 4,514,000 | 6,152,000 |
| Provision for loan losses | 75,000 | 140,000 | 170,000 | 440,000 |
| Pretax income | 99,000 | 281,000 | 278,000 | 81,000 |
| Income tax | 25,000 | 80,000 | 66,000 | -22,000 |
| Net income | 74,000 | 201,000 | 212,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,680,000 | 27,885,000 | 27,783,000 | 27,536,000 |
| Total capital | 28,351,000 | 28,598,000 | 28,423,000 | 28,386,000 |
| Risk-weighted assets | 92,449,000 | 93,029,000 | 92,940,000 | 92,964,000 |