Call reports 2012
FIRST FEDERAL SAVINGS BANK — 2012
What FIRST FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 408,040,000 | 396,787,000 | 382,291,000 | 384,572,000 |
| Total loans | 301,898,000 | 293,877,000 | 295,594,000 | 296,433,000 |
| Allowance for loan losses | 5,500,000 | 5,800,000 | 5,500,000 | 5,400,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,871,000 | 13,148,000 | 9,614,000 | 5,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,734,000 | 354,226,000 | 340,631,000 | 343,286,000 |
| Interest-bearing deposits | 351,216,000 | 340,234,000 | 327,120,000 | 329,522,000 |
| Noninterest-bearing deposits | 13,518,000 | 13,992,000 | 13,511,000 | 13,764,000 |
| Equity capital | 33,613,000 | 33,067,000 | 32,442,000 | 32,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,631,000 | 7,207,000 | 10,732,000 | 14,208,000 |
| Interest expense | 756,000 | 1,462,000 | 2,138,000 | 2,773,000 |
| Net interest income | 2,875,000 | 5,745,000 | 8,594,000 | 11,435,000 |
| Noninterest income | 226,000 | 350,000 | 31,000 | 800,000 |
| Noninterest expense | 2,627,000 | 5,133,000 | 7,692,000 | 10,037,000 |
| Provision for loan losses | 560,000 | 1,594,000 | 2,190,000 | 2,497,000 |
| Pretax income | -86,000 | -632,000 | -1,257,000 | -299,000 |
| Income tax | 0 | 0 | 0 | 1,200,000 |
| Net income | -86,000 | -632,000 | -1,257,000 | -1,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,613,000 | 33,067,000 | 30,299,000 | 31,656,000 |
| Total capital | 36,428,000 | 35,808,000 | 33,091,000 | 34,394,000 |
| Risk-weighted assets | 222,494,000 | 216,251,000 | 220,655,000 | 216,353,000 |