Call reports 2014
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA — 2014
What FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 160,194,000 | 164,144,000 | 164,231,000 | 164,413,000 |
| Total loans | 132,829,000 | 133,883,000 | 133,706,000 | 131,907,000 |
| Allowance for loan losses | 561,000 | 629,000 | 691,000 | 648,000 |
| Securities available for sale | 5,419,000 | 5,375,000 | 5,321,000 | 5,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,009,000 | 117,746,000 | 117,541,000 | 117,928,000 |
| Interest-bearing deposits | 115,212,000 | 113,268,000 | 112,596,000 | 113,174,000 |
| Noninterest-bearing deposits | 3,797,000 | 4,478,000 | 4,945,000 | 4,754,000 |
| Equity capital | 28,173,000 | 28,169,000 | 28,188,000 | 27,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,753,000 | 3,513,000 | 5,211,000 | 6,927,000 |
| Interest expense | 251,000 | 509,000 | 765,000 | 1,013,000 |
| Net interest income | 1,502,000 | 3,004,000 | 4,446,000 | 5,914,000 |
| Noninterest income | 155,000 | 242,000 | 404,000 | 538,000 |
| Noninterest expense | 1,482,000 | 3,036,000 | 4,570,000 | 6,617,000 |
| Provision for loan losses | 47,000 | 99,000 | 143,000 | 143,000 |
| Pretax income | 132,000 | 115,000 | 141,000 | -304,000 |
| Income tax | 0 | 0 | 0 | -179,000 |
| Net income | 132,000 | 115,000 | 141,000 | -125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,576,000 | 27,554,000 | 27,575,000 | 27,122,000 |
| Total capital | 28,137,000 | 28,183,000 | 28,266,000 | 27,770,000 |
| Risk-weighted assets | 93,127,000 | 93,864,000 | 94,062,000 | 93,112,000 |