Call reports 2014
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN — 2014
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 461,678,000 | 446,528,000 | 423,111,000 | 423,435,000 |
| Total loans | 275,957,000 | 273,905,000 | 272,441,000 | 269,620,000 |
| Allowance for loan losses | 3,400,000 | 2,795,000 | 2,645,000 | 2,443,000 |
| Securities available for sale | 0 | 0 | 0 | 26,027,000 |
| Securities held to maturity | 21,294,000 | 21,301,000 | 25,308,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,357,000 | 362,700,000 | 355,848,000 | 356,793,000 |
| Interest-bearing deposits | 341,487,000 | 341,622,000 | 335,371,000 | 336,026,000 |
| Noninterest-bearing deposits | 20,870,000 | 21,078,000 | 20,477,000 | 20,767,000 |
| Equity capital | 63,636,000 | 63,484,000 | 63,628,000 | 63,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,811,000 | 7,629,000 | 11,434,000 | 15,113,000 |
| Interest expense | 475,000 | 895,000 | 1,286,000 | 1,607,000 |
| Net interest income | 3,336,000 | 6,734,000 | 10,148,000 | 13,506,000 |
| Noninterest income | 428,000 | 877,000 | 1,194,000 | 1,956,000 |
| Noninterest expense | 3,432,000 | 6,994,000 | 10,438,000 | 13,999,000 |
| Provision for loan losses | 140,000 | 762,000 | 829,000 | 1,552,000 |
| Pretax income | 192,000 | -145,000 | 75,000 | -89,000 |
| Income tax | 28,000 | -157,000 | -81,000 | 6,000 |
| Net income | 164,000 | 12,000 | 156,000 | -95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,489,000 | 58,268,000 | 58,345,000 | 58,025,000 |
| Total capital | 60,931,000 | 60,726,000 | 60,761,000 | 60,422,000 |
| Risk-weighted assets | 194,379,000 | 196,341,000 | 193,083,000 | 191,714,000 |