Call reports 2014
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF CENTERBURG — 2014
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF CENTERBURG 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 | 25,995,000 | 26,096,000 | 25,876,000 | 24,644,000 |
| Total loans | 13,508,000 | 13,605,000 | 13,744,000 | 14,243,000 |
| Allowance for loan losses | 140,000 | 140,000 | 140,000 | 140,000 |
| Securities available for sale | 6,864,000 | 7,921,000 | 7,416,000 | 5,946,000 |
| Securities held to maturity | 555,000 | 522,000 | 495,000 | 472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,344,000 | 21,372,000 | 21,133,000 | 19,858,000 |
| Interest-bearing deposits | 21,344,000 | 21,372,000 | 21,133,000 | 19,858,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 4,101,000 | 4,161,000 | 4,179,000 | 4,221,000 |
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 | 215,000 | 425,000 | 636,000 | 855,000 |
| Interest expense | 53,000 | 105,000 | 155,000 | 204,000 |
| Net interest income | 162,000 | 320,000 | 481,000 | 651,000 |
| Noninterest income | 6,000 | 14,000 | 21,000 | 30,000 |
| Noninterest expense | 148,000 | 291,000 | 434,000 | 583,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 20,000 | 43,000 | 68,000 | 98,000 |
| Income tax | 5,000 | 8,000 | 12,000 | 19,000 |
| Net income | 15,000 | 35,000 | 56,000 | 79,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,180,000 | 4,200,000 | 4,222,000 | 4,244,000 |
| Total capital | 4,320,000 | 4,340,000 | 4,362,000 | 4,384,000 |
| Risk-weighted assets | 11,675,000 | 11,854,000 | 11,827,000 | 11,672,000 |