Call reports 2016
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN — 2016
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 422,862,000 | 425,793,000 | 425,148,000 | 421,431,000 |
| Total loans | 265,339,000 | 266,681,000 | 267,069,000 | 268,537,000 |
| Allowance for loan losses | 2,500,000 | 2,100,000 | 2,150,000 | 2,150,000 |
| Securities available for sale | 90,621,000 | 102,531,000 | 102,191,000 | 110,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,516,000 | 355,877,000 | 356,673,000 | 355,647,000 |
| Interest-bearing deposits | 333,415,000 | 332,435,000 | 333,883,000 | 331,753,000 |
| Noninterest-bearing deposits | 22,101,000 | 23,442,000 | 22,790,000 | 23,894,000 |
| Equity capital | 64,507,000 | 65,300,000 | 65,417,000 | 62,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,652,000 | 7,364,000 | 11,030,000 | 14,671,000 |
| Interest expense | 344,000 | 690,000 | 1,037,000 | 1,386,000 |
| Net interest income | 3,308,000 | 6,674,000 | 9,993,000 | 13,285,000 |
| Noninterest income | 369,000 | 780,000 | 1,320,000 | 1,786,000 |
| Noninterest expense | 3,253,000 | 6,742,000 | 10,129,000 | 14,487,000 |
| Provision for loan losses | 84,000 | -107,000 | -78,000 | -144,000 |
| Pretax income | 377,000 | 883,000 | 1,331,000 | 797,000 |
| Income tax | 93,000 | 241,000 | 343,000 | 70,000 |
| Net income | 284,000 | 642,000 | 988,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,311,000 | 64,669,000 | 65,016,000 | 64,754,000 |
| Total capital | 66,811,000 | 66,769,000 | 67,166,000 | 66,904,000 |
| Risk-weighted assets | 209,414,000 | 208,453,000 | 209,892,000 | 211,722,000 |