Call reports 2015
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN — 2015
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 424,797,000 | 425,228,000 | 421,975,000 | 423,737,000 |
| Total loans | 267,784,000 | 264,873,000 | 264,806,000 | 266,569,000 |
| Allowance for loan losses | 2,386,000 | 2,772,000 | 2,650,000 | 2,500,000 |
| Securities available for sale | 18,384,000 | 49,624,000 | 67,731,000 | 79,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,679,000 | 357,149,000 | 354,976,000 | 356,885,000 |
| Interest-bearing deposits | 336,612,000 | 334,001,000 | 333,010,000 | 334,754,000 |
| Noninterest-bearing deposits | 21,067,000 | 23,148,000 | 21,966,000 | 22,131,000 |
| Equity capital | 64,380,000 | 63,741,000 | 63,944,000 | 63,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,680,000 | 7,241,000 | 10,899,000 | 14,602,000 |
| Interest expense | 320,000 | 651,000 | 987,000 | 1,326,000 |
| Net interest income | 3,360,000 | 6,590,000 | 9,912,000 | 13,276,000 |
| Noninterest income | 291,000 | 745,000 | 1,169,000 | 1,590,000 |
| Noninterest expense | 3,286,000 | 6,827,000 | 10,238,000 | 13,827,000 |
| Provision for loan losses | 100,000 | 826,000 | 1,313,000 | 1,205,000 |
| Pretax income | 986,000 | 403,000 | 462,000 | 799,000 |
| Income tax | 163,000 | -93,000 | -96,000 | 149,000 |
| Net income | 823,000 | 496,000 | 558,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,200,000 | 63,873,000 | 63,936,000 | 64,028,000 |
| Total capital | 66,586,000 | 66,406,000 | 66,522,000 | 66,528,000 |
| Risk-weighted assets | 196,519,000 | 202,422,000 | 206,854,000 | 209,073,000 |