Call reports 2020
FIRST FEDERAL COMMUNITY BANK, SSB — 2020
What FIRST FEDERAL COMMUNITY BANK, SSB reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 450,558,000 | 486,551,000 | 488,099,000 | 493,741,000 |
| Total loans | 385,844,000 | 398,726,000 | 409,325,000 | 399,656,000 |
| Allowance for loan losses | 3,408,000 | 3,453,000 | 3,694,000 | 3,802,000 |
| Securities available for sale | 12,586,000 | 12,017,000 | 11,265,000 | 10,564,000 |
| Securities held to maturity | 1,577,000 | 1,574,000 | 1,463,000 | 1,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,083,000 | 405,034,000 | 416,019,000 | 421,590,000 |
| Interest-bearing deposits | 335,708,000 | 358,221,000 | 364,798,000 | 375,599,000 |
| Noninterest-bearing deposits | 34,374,000 | 46,814,000 | 51,221,000 | 45,991,000 |
| Equity capital | 52,600,000 | 53,452,000 | 54,101,000 | 54,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,004,000 | 9,994,000 | 14,766,000 | 19,584,000 |
| Interest expense | 1,252,000 | 2,436,000 | 3,521,000 | 4,536,000 |
| Net interest income | 3,752,000 | 7,558,000 | 11,245,000 | 15,048,000 |
| Noninterest income | 608,000 | 1,086,000 | 1,799,000 | 2,646,000 |
| Noninterest expense | 3,307,000 | 6,494,000 | 9,919,000 | 13,159,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 912,000 | 1,865,000 | 2,718,000 | 3,976,000 |
| Income tax | 196,000 | 406,000 | 587,000 | 987,000 |
| Net income | 716,000 | 1,459,000 | 2,131,000 | 2,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,338,000 | 53,081,000 | 53,753,000 | 54,612,000 |
| Total capital | 55,745,000 | 56,534,000 | 57,449,000 | 58,415,000 |
| Risk-weighted assets | 324,614,000 | 346,109,000 | 356,409,000 | 349,337,000 |