Call reports 2015
FIRST FEDERAL COMMUNITY BANK, SSB — 2015
What FIRST FEDERAL COMMUNITY BANK, SSB 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 | 349,051,000 | 356,961,000 | 355,778,000 | 358,168,000 |
| Total loans | 252,672,000 | 270,447,000 | 267,393,000 | 278,076,000 |
| Allowance for loan losses | 2,748,000 | 2,763,000 | 2,771,000 | 2,779,000 |
| Securities available for sale | 40,951,000 | 36,783,000 | 33,522,000 | 31,301,000 |
| Securities held to maturity | 2,856,000 | 2,856,000 | 3,231,000 | 3,487,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,449,000 | 296,031,000 | 301,511,000 | 304,663,000 |
| Interest-bearing deposits | 277,454,000 | 276,946,000 | 278,698,000 | 283,600,000 |
| Noninterest-bearing deposits | 19,995,000 | 19,085,000 | 22,812,000 | 21,063,000 |
| Equity capital | 39,333,000 | 39,749,000 | 40,274,000 | 40,763,000 |
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 | 3,560,000 | 7,134,000 | 10,718,000 | 14,432,000 |
| Interest expense | 517,000 | 1,041,000 | 1,563,000 | 2,089,000 |
| Net interest income | 3,043,000 | 6,093,000 | 9,155,000 | 12,343,000 |
| Noninterest income | 505,000 | 1,011,000 | 1,570,000 | 2,082,000 |
| Noninterest expense | 2,859,000 | 5,774,000 | 8,669,000 | 11,473,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 707,000 | 1,323,000 | 2,091,000 | 2,987,000 |
| Income tax | 237,000 | 419,000 | 671,000 | 951,000 |
| Net income | 470,000 | 904,000 | 1,420,000 | 2,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,342,000 | 39,669,000 | 40,123,000 | 40,619,000 |
| Total capital | 42,090,000 | 42,432,000 | 42,894,000 | 43,399,000 |
| Risk-weighted assets | 220,585,000 | 233,090,000 | 237,709,000 | 244,669,000 |