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Earnings Per Share, Accumulated Other Comprehensive Loss, Dividend Restrictions and Other Regulatory Matters (Tables)
3 Months Ended
Mar. 31, 2013
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] The incremental shares (the difference between the number of shares assumed issued and the number of shares assumed purchased), if any, are included in the denominator of the diluted earnings per share calculation.

 

 

 

 

 

 

 

 

 

                 

 

 

 

 

 

 

 

 

 

 

 

Quarters Ended
March 31,

 

 

   

(in thousands, except per share data)

 

2013

 

2012

         

Net income

 

$

5,253

 

 

$

1,739

 

Preferred stock dividends

 

 

813

 

 

 

813

 

Accretion on preferred stock discount

 

 

165

 

 

 

156

 

 

 

     

 

     

Net income available to common shareholders

 

$

4,275

 

 

$

770

 

 

 

     

 

     

 

 

 

 

 

 

 

 

 

Weighted average basic shares

 

 

16,529

 

 

 

16,527

 

Effect of dilutive stock options

 

 

18

 

 

 

1

 

 

 

     

 

     

Weighted average dilutive shares

 

 

16,547

 

 

 

16,528

 

 

 

     

 

     

 

 

 

 

 

 

 

 

 

Net income per common share

 

 

 

 

 

 

 

 

Basic

 

$

0.26

 

 

$

0.05

 

Diluted

 

 

0.26

 

 

 

0.05

 

 

 

 

 

 

 

 

 

 

                 
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block] The following table summarizes the components of accumulated other comprehensive loss.

 

 

 

 

 

 

 

 

 

 

 

 

 

               

 

 

 

 

 

 

 

 

(in thousands)

 

Unrealized (loss)
gain on securities
available for sale

 

Change in
pension
liability

 

   Total

 

               

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, December 31, 2011

 

$

(1,889

)

 

$

(955

)

 

$

(2,844

)

Net change in other comprehensive loss

 

 

719

 

 

 

---

 

 

 

719

 

 

 

                     

Balance, March 31, 2012

 

$

(1,170

)

 

$

(955

)

 

$

(2,125

)

 

 

                     

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, December 31, 2012

 

$

(1,709

)

 

$

(975

)

 

$

(2,684

)

Net change in other comprehensive loss

 

 

1,319

 

 

 

---

 

 

 

1,319

 

 

 

                     

Balance, March 31, 2013

 

$

(390

)

 

$

(975

)

 

$

(1,365

)

 

 

                     

 

 

 

 

 

 

 

 

 

 

 

 

 

                         
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block] Capital amounts and ratios are presented in the following table.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

                                       

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Actual

 

For Capital Adequacy
Purposes

 

To Be Well-Capitalized
Under Prompt Corrective
Action Provisions1

 

               

 

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Amount

 

Ratio

 

 

 

                         

First Financial1

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of March 31, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 capital to total average assets

 

$

341,952

 

 

 

10.72

%

$

127,646

 

 

4.00

%

 

 

 

 

 

 

Tier I capital to risk-based assets

 

 

341,952

 

 

 

15.30

 

 

89,409

 

 

4.00

 

 

 

 

 

 

 

Risk-based capital to risk-based assets

 

 

370,636

 

 

 

16.58

 

 

178,819

 

 

8.00

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 capital to total average assets

 

$

337,908

 

 

 

10.54

%

$

128,287

 

 

4.00

%

 

 

 

 

 

 

Tier I capital to risk-based assets

 

 

337,908

 

 

 

14.89

 

 

90,804

 

 

4.00

 

 

 

 

 

 

 

Risk-based capital to risk-based assets

 

 

366,897

 

 

 

16.16

 

 

181,608

 

 

8.00

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

First Federal

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of March 31, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 capital to total average assets

 

$

326,547

 

 

 

10.24

%

$

127,579

 

 

4.00

%

$

159,474

 

 

5.00

%

Tier I capital to risk-based assets

 

 

326,547

 

 

 

14.63

 

 

89,258

 

 

4.00

 

 

133,887

 

 

6.00

 

Risk-based capital to risk-based assets

 

 

355,185

 

 

 

15.92

 

 

178,516

 

 

8.00

 

 

223,146

 

 

10.00

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 capital to total average assets

 

$

319,555

 

 

 

9.97

%

$

128,201

 

 

4.00

%

$

160,252

 

 

5.00

%

Tier I capital to risk-based assets

 

 

319,555

 

 

 

14.10

 

 

90,685

 

 

4.00

 

 

136,028

 

 

6.00

 

Risk-based capital to risk-based assets

 

 

348,503

 

 

 

15.37

 

 

181,370

 

 

8.00

 

 

226,713

 

 

10.00