Call reports 2015
FIRST FEDERAL SAVINGS BANK — 2015
What FIRST FEDERAL SAVINGS BANK 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 | 364,347,000 | 352,949,000 | 358,779,000 | 353,228,000 |
| Total loans | 277,278,000 | 279,154,000 | 276,792,000 | 256,491,000 |
| Allowance for loan losses | 3,779,000 | 3,735,000 | 3,294,000 | 3,010,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,873,000 | 287,115,000 | 287,711,000 | 288,608,000 |
| Interest-bearing deposits | 259,971,000 | 256,195,000 | 251,895,000 | 256,545,000 |
| Noninterest-bearing deposits | 34,902,000 | 30,920,000 | 35,816,000 | 32,063,000 |
| Equity capital | 43,339,000 | 43,729,000 | 44,028,000 | 43,224,000 |
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 | 3,195,000 | 6,560,000 | 9,850,000 | 13,098,000 |
| Interest expense | 426,000 | 875,000 | 1,300,000 | 1,728,000 |
| Net interest income | 2,769,000 | 5,685,000 | 8,550,000 | 11,370,000 |
| Noninterest income | 2,335,000 | 4,479,000 | 6,938,000 | 9,144,000 |
| Noninterest expense | 4,293,000 | 8,629,000 | 13,741,000 | 18,540,000 |
| Provision for loan losses | 200,000 | 200,000 | -200,000 | -400,000 |
| Pretax income | 611,000 | 1,335,000 | 1,947,000 | 2,374,000 |
| Income tax | 165,000 | 369,000 | 552,000 | 613,000 |
| Net income | 446,000 | 966,000 | 1,395,000 | 1,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,400,000 | 42,829,000 | 43,146,000 | 42,295,000 |
| Total capital | 45,173,000 | 45,693,000 | 46,032,000 | 45,036,000 |
| Risk-weighted assets | 219,916,000 | 227,423,000 | 229,628,000 | 218,150,000 |