Call reports 2013
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN — 2013
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 471,088,000 | 468,052,000 | 465,019,000 | 459,442,000 |
| Total loans | 296,919,000 | 289,761,000 | 282,517,000 | 280,799,000 |
| Allowance for loan losses | 3,530,000 | 3,684,000 | 3,707,000 | 3,690,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,456,000 | 20,423,000 | 24,283,000 | 22,288,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,966,000 | 366,783,000 | 364,282,000 | 359,676,000 |
| Interest-bearing deposits | 319,976,000 | 350,374,000 | 346,875,000 | 341,014,000 |
| Noninterest-bearing deposits | 49,990,000 | 16,409,000 | 17,407,000 | 18,662,000 |
| Equity capital | 62,098,000 | 62,617,000 | 62,956,000 | 63,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,366,000 | 8,579,000 | 12,591,000 | 16,530,000 |
| Interest expense | 564,000 | 1,102,000 | 1,629,000 | 2,132,000 |
| Net interest income | 3,802,000 | 7,477,000 | 10,962,000 | 14,398,000 |
| Noninterest income | 374,000 | 615,000 | 773,000 | 954,000 |
| Noninterest expense | 3,210,000 | 6,532,000 | 10,039,000 | 13,748,000 |
| Provision for loan losses | -32,000 | -221,000 | -1,012,000 | -1,122,000 |
| Pretax income | 998,000 | 1,781,000 | 2,708,000 | 2,726,000 |
| Income tax | 357,000 | 621,000 | 1,209,000 | 711,000 |
| Net income | 641,000 | 1,160,000 | 1,499,000 | 2,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,212,000 | 57,673,000 | 57,947,000 | 58,394,000 |
| Total capital | 60,096,000 | 60,498,000 | 60,686,000 | 61,081,000 |
| Risk-weighted assets | 230,063,000 | 225,129,000 | 218,157,000 | 213,941,000 |