Call reports 2016
FIRST FEDERAL SAVINGS BANK — 2016
What FIRST FEDERAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 375,509,000 | 372,361,000 | 359,759,000 | 371,591,000 |
| Total loans | 264,409,000 | 257,800,000 | 256,754,000 | 255,491,000 |
| Allowance for loan losses | 2,950,000 | 2,750,000 | 2,650,000 | 2,600,000 |
| Securities available for sale | 1,019,000 | 1,025,000 | 1,021,000 | 989,000 |
| Securities held to maturity | 18,870,000 | 31,751,000 | 33,593,000 | 17,515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,100,000 | 324,258,000 | 314,116,000 | 326,472,000 |
| Interest-bearing deposits | 307,347,000 | 304,462,000 | 299,221,000 | 307,551,000 |
| Noninterest-bearing deposits | 19,753,000 | 19,796,000 | 14,895,000 | 18,921,000 |
| Equity capital | 38,920,000 | 39,559,000 | 40,000,000 | 40,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,824,000 | 5,631,000 | 8,424,000 | 11,170,000 |
| Interest expense | 536,000 | 1,077,000 | 1,593,000 | 2,110,000 |
| Net interest income | 2,288,000 | 4,554,000 | 6,831,000 | 9,060,000 |
| Noninterest income | 466,000 | 1,024,000 | 1,672,000 | 2,227,000 |
| Noninterest expense | 2,467,000 | 4,859,000 | 7,370,000 | 9,794,000 |
| Provision for loan losses | -238,000 | -486,000 | -551,000 | -613,000 |
| Pretax income | 525,000 | 1,205,000 | 1,684,000 | 2,106,000 |
| Income tax | 34,000 | 81,000 | 115,000 | 218,000 |
| Net income | 491,000 | 1,124,000 | 1,569,000 | 1,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,101,000 | 37,734,000 | 38,179,000 | 38,687,000 |
| Total capital | 39,553,000 | 40,159,000 | 40,587,000 | 41,032,000 |
| Risk-weighted assets | 194,275,000 | 192,073,000 | 191,022,000 | 186,765,000 |