Call reports 2015
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF CENTERBURG — 2015
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF CENTERBURG 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 | 24,648,000 | 24,593,000 | 24,375,000 | 23,573,000 |
| Total loans | 13,757,000 | 13,816,000 | 13,714,000 | 13,969,000 |
| Allowance for loan losses | 140,000 | 140,000 | 140,000 | 140,000 |
| Securities available for sale | 5,489,000 | 5,973,000 | 6,008,000 | 5,478,000 |
| Securities held to maturity | 448,000 | 420,000 | 394,000 | 368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,818,000 | 19,749,000 | 19,287,000 | 18,578,000 |
| Interest-bearing deposits | 19,818,000 | 19,749,000 | 19,287,000 | 18,578,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 4,266,000 | 4,270,000 | 4,317,000 | 4,317,000 |
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 | 212,000 | 419,000 | 627,000 | 839,000 |
| Interest expense | 45,000 | 90,000 | 135,000 | 179,000 |
| Net interest income | 167,000 | 329,000 | 492,000 | 660,000 |
| Noninterest income | 9,000 | 17,000 | 24,000 | 33,000 |
| Noninterest expense | 156,000 | 305,000 | 447,000 | 600,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 20,000 | 41,000 | 69,000 | 93,000 |
| Income tax | 4,000 | 7,000 | 10,000 | 14,000 |
| Net income | 16,000 | 34,000 | 59,000 | 79,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,289,000 | 4,270,000 | 4,317,000 | 4,317,000 |
| Total capital | 4,429,000 | 4,410,000 | 4,457,000 | 4,457,000 |
| Risk-weighted assets | 11,570,000 | 11,687,000 | 11,306,000 | 11,256,000 |