Call reports 2012
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN — 2012
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN 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 | 489,600,000 | 487,287,000 | 478,796,000 | 471,742,000 |
| Total loans | 349,078,000 | 335,258,000 | 324,771,000 | 308,444,000 |
| Allowance for loan losses | 4,100,000 | 4,230,000 | 4,272,000 | 3,511,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,945,000 | 18,614,000 | 18,450,000 | 18,453,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,425,000 | 383,693,000 | 376,471,000 | 370,732,000 |
| Interest-bearing deposits | 371,773,000 | 369,591,000 | 362,764,000 | 356,226,000 |
| Noninterest-bearing deposits | 13,652,000 | 14,102,000 | 13,707,000 | 14,506,000 |
| Equity capital | 61,450,000 | 61,368,000 | 61,222,000 | 61,457,000 |
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 | 4,971,000 | 9,902,000 | 14,611,000 | 18,903,000 |
| Interest expense | 857,000 | 1,648,000 | 2,382,000 | 3,027,000 |
| Net interest income | 4,114,000 | 8,254,000 | 12,229,000 | 15,876,000 |
| Noninterest income | 48,000 | 20,000 | 489,000 | 896,000 |
| Noninterest expense | 3,249,000 | 6,530,000 | 9,990,000 | 13,524,000 |
| Provision for loan losses | 878,000 | 1,921,000 | 3,262,000 | 3,511,000 |
| Pretax income | 35,000 | -155,000 | -512,000 | -240,000 |
| Income tax | 54,000 | -54,000 | -265,000 | -228,000 |
| Net income | -19,000 | -101,000 | -247,000 | -12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,800,000 | 56,609,000 | 56,442,000 | 56,627,000 |
| Total capital | 60,017,000 | 59,742,000 | 59,493,000 | 59,635,000 |
| Risk-weighted assets | 256,504,000 | 249,520,000 | 242,897,000 | 240,136,000 |