Call reports 2012
FIRST FEDERAL COMMUNITY BANK, SSB — 2012
What FIRST FEDERAL COMMUNITY BANK, SSB 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 | 350,219,000 | 351,970,000 | 351,524,000 | 344,153,000 |
| Total loans | 275,529,000 | 266,922,000 | 257,809,000 | 251,825,000 |
| Allowance for loan losses | 4,335,000 | 4,061,000 | 4,330,000 | 3,496,000 |
| Securities available for sale | 28,314,000 | 29,418,000 | 30,868,000 | 36,780,000 |
| Securities held to maturity | 200,000 | 1,631,000 | 1,404,000 | 1,404,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,149,000 | 308,656,000 | 307,104,000 | 303,145,000 |
| Interest-bearing deposits | 293,267,000 | 293,147,000 | 288,508,000 | 286,989,000 |
| Noninterest-bearing deposits | 12,882,000 | 15,509,000 | 18,596,000 | 16,156,000 |
| Equity capital | 32,964,000 | 33,668,000 | 34,272,000 | 35,058,000 |
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 | 4,403,000 | 8,665,000 | 12,828,000 | 16,843,000 |
| Interest expense | 1,016,000 | 1,952,000 | 2,809,000 | 3,580,000 |
| Net interest income | 3,387,000 | 6,713,000 | 10,019,000 | 13,263,000 |
| Noninterest income | 57,000 | 527,000 | 1,095,000 | 2,051,000 |
| Noninterest expense | 2,502,000 | 5,005,000 | 7,715,000 | 10,563,000 |
| Provision for loan losses | 250,000 | 550,000 | 850,000 | 950,000 |
| Pretax income | 694,000 | 1,687,000 | 2,551,000 | 3,803,000 |
| Income tax | 237,000 | 545,000 | 843,000 | 1,226,000 |
| Net income | 457,000 | 1,142,000 | 1,708,000 | 2,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,859,000 | 33,549,000 | 34,115,000 | 34,957,000 |
| Total capital | 35,631,000 | 36,285,000 | 36,797,000 | 37,576,000 |
| Risk-weighted assets | 225,056,000 | 218,866,000 | 214,086,000 | 208,616,000 |