Call reports 2016
FIRST FEDERAL SAVINGS OF MIDDLETOWN — 2016
What FIRST FEDERAL SAVINGS OF MIDDLETOWN 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 | 152,403,000 | 153,431,000 | 155,261,000 | 153,856,000 |
| Total loans | 14,096,000 | 14,093,000 | 14,934,000 | 14,296,000 |
| Allowance for loan losses | 66,000 | 72,000 | 85,000 | 80,000 |
| Securities available for sale | 12,118,000 | 12,033,000 | 11,934,000 | 11,803,000 |
| Securities held to maturity | 40,723,000 | 40,484,000 | 40,244,000 | 39,984,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,718,000 | 90,779,000 | 92,522,000 | 91,654,000 |
| Interest-bearing deposits | 87,965,000 | 88,672,000 | 90,204,000 | 89,483,000 |
| Noninterest-bearing deposits | 1,753,000 | 2,107,000 | 2,318,000 | 2,171,000 |
| Equity capital | 55,054,000 | 55,044,000 | 55,087,000 | 55,016,000 |
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 | 747,000 | 1,477,000 | 2,231,000 | 2,991,000 |
| Interest expense | 159,000 | 315,000 | 478,000 | 640,000 |
| Net interest income | 588,000 | 1,162,000 | 1,753,000 | 2,351,000 |
| Noninterest income | 8,000 | 21,000 | 29,000 | 35,000 |
| Noninterest expense | 571,000 | 1,155,000 | 1,777,000 | 2,420,000 |
| Provision for loan losses | -1,000 | 5,000 | 17,000 | 13,000 |
| Pretax income | 170,000 | 167,000 | 132,000 | 97,000 |
| Income tax | 43,000 | 55,000 | -20,000 | -31,000 |
| Net income | 127,000 | 112,000 | 152,000 | 128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,810,000 | 54,794,000 | 54,833,000 | 54,810,000 |
| Total capital | 54,876,000 | 54,866,000 | 54,918,000 | 54,890,000 |
| Risk-weighted assets | 45,264,000 | 45,148,000 | 45,599,000 | 45,111,000 |