Call reports 2017
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN — 2017
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 420,028,000 | 420,592,000 | 415,891,000 | 416,136,000 |
| Total loans | 266,162,000 | 238,369,000 | 240,293,000 | 238,619,000 |
| Allowance for loan losses | 2,250,000 | 2,175,000 | 1,800,000 | 1,800,000 |
| Securities available for sale | 111,226,000 | 106,574,000 | 118,144,000 | 118,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,258,000 | 353,667,000 | 348,835,000 | 349,840,000 |
| Interest-bearing deposits | 329,388,000 | 327,639,000 | 322,016,000 | 322,941,000 |
| Noninterest-bearing deposits | 24,870,000 | 26,028,000 | 26,819,000 | 26,899,000 |
| Equity capital | 63,261,000 | 64,338,000 | 64,507,000 | 63,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,694,000 | 7,485,000 | 10,947,000 | 14,380,000 |
| Interest expense | 335,000 | 668,000 | 1,006,000 | 1,360,000 |
| Net interest income | 3,359,000 | 6,817,000 | 9,941,000 | 13,020,000 |
| Noninterest income | 429,000 | 1,074,000 | 1,549,000 | 1,968,000 |
| Noninterest expense | 3,245,000 | 6,727,000 | 10,436,000 | 13,806,000 |
| Provision for loan losses | 19,000 | -77,000 | -344,000 | -287,000 |
| Pretax income | 504,000 | 1,100,000 | 1,257,000 | 1,277,000 |
| Income tax | 123,000 | 238,000 | 239,000 | 1,272,000 |
| Net income | 381,000 | 862,000 | 1,018,000 | 5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,135,000 | 65,616,000 | 65,772,000 | 65,030,000 |
| Total capital | 67,385,000 | 67,791,000 | 67,572,000 | 66,830,000 |
| Risk-weighted assets | 209,360,000 | 197,749,000 | 197,695,000 | 198,196,000 |