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 | 351,603,000 | 341,940,000 | 351,220,000 | 375,546,000 |
| Total loans | 254,250,000 | 260,885,000 | 277,384,000 | 288,993,000 |
| Allowance for loan losses | 2,918,000 | 2,453,000 | 2,452,000 | 2,362,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,060,000 | 284,920,000 | 290,281,000 | 299,549,000 |
| Interest-bearing deposits | 258,200,000 | 253,470,000 | 252,896,000 | 265,154,000 |
| Noninterest-bearing deposits | 37,860,000 | 31,450,000 | 37,385,000 | 34,395,000 |
| Equity capital | 43,681,000 | 44,078,000 | 44,404,000 | 43,259,000 |
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 | 3,023,000 | 6,173,000 | 9,475,000 | 12,826,000 |
| Interest expense | 379,000 | 760,000 | 1,132,000 | 1,522,000 |
| Net interest income | 2,644,000 | 5,413,000 | 8,343,000 | 11,304,000 |
| Noninterest income | 2,690,000 | 5,750,000 | 8,891,000 | 10,557,000 |
| Noninterest expense | 4,615,000 | 9,662,000 | 15,124,000 | 19,981,000 |
| Provision for loan losses | 0 | 25,000 | 75,000 | 75,000 |
| Pretax income | 719,000 | 1,476,000 | 2,035,000 | 1,805,000 |
| Income tax | 132,000 | 362,000 | 465,000 | 210,000 |
| Net income | 587,000 | 1,114,000 | 1,570,000 | 1,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,404,000 | 42,866,000 | 43,262,000 | 42,084,000 |
| Total capital | 45,319,000 | 45,319,000 | 45,714,000 | 44,446,000 |
| Risk-weighted assets | 231,990,000 | 209,389,000 | 217,927,000 | 223,446,000 |