Call reports 2015
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA — 2015
What FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA 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 | 163,044,000 | 161,818,000 | 163,764,000 | 163,640,000 |
| Total loans | 132,032,000 | 134,665,000 | 133,977,000 | 136,416,000 |
| Allowance for loan losses | 640,000 | 640,000 | 566,000 | 569,000 |
| Securities available for sale | 5,067,000 | 4,827,000 | 4,063,000 | 3,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,303,000 | 114,704,000 | 114,340,000 | 114,650,000 |
| Interest-bearing deposits | 110,956,000 | 109,221,000 | 109,036,000 | 108,811,000 |
| Noninterest-bearing deposits | 5,347,000 | 5,483,000 | 5,304,000 | 5,839,000 |
| Equity capital | 28,011,000 | 28,107,000 | 28,197,000 | 28,179,000 |
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 | 1,684,000 | 3,398,000 | 5,110,000 | 6,781,000 |
| Interest expense | 237,000 | 471,000 | 708,000 | 943,000 |
| Net interest income | 1,447,000 | 2,927,000 | 4,402,000 | 5,838,000 |
| Noninterest income | 143,000 | 309,000 | 478,000 | 612,000 |
| Noninterest expense | 1,474,000 | 2,982,000 | 4,483,000 | 6,072,000 |
| Provision for loan losses | 10,000 | 10,000 | 30,000 | 42,000 |
| Pretax income | 106,000 | 244,000 | 367,000 | 336,000 |
| Income tax | 37,000 | 73,000 | 111,000 | 86,000 |
| Net income | 69,000 | 171,000 | 256,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,493,000 | 27,336,000 | 27,406,000 | 27,344,000 |
| Total capital | 28,133,000 | 27,976,000 | 27,972,000 | 27,913,000 |
| Risk-weighted assets | 96,097,000 | 97,810,000 | 97,550,000 | 99,721,000 |