Call reports 2018
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN — 2018
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 428,075,000 | 423,126,000 | 412,886,000 | 442,528,000 |
| Total loans | 243,375,000 | 245,243,000 | 244,837,000 | 272,824,000 |
| Allowance for loan losses | 1,800,000 | 1,800,000 | 1,800,000 | 1,800,000 |
| Securities available for sale | 122,608,000 | 121,985,000 | 117,539,000 | 116,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,417,000 | 343,345,000 | 333,898,000 | 333,375,000 |
| Interest-bearing deposits | 320,336,000 | 313,952,000 | 306,043,000 | 305,474,000 |
| Noninterest-bearing deposits | 28,081,000 | 29,393,000 | 27,855,000 | 27,901,000 |
| Equity capital | 61,967,000 | 61,896,000 | 61,438,000 | 62,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,458,000 | 6,981,000 | 10,622,000 | 14,430,000 |
| Interest expense | 371,000 | 831,000 | 1,315,000 | 2,024,000 |
| Net interest income | 3,087,000 | 6,150,000 | 9,307,000 | 12,406,000 |
| Noninterest income | 356,000 | 806,000 | 1,303,000 | 1,748,000 |
| Noninterest expense | 3,362,000 | 6,695,000 | 10,065,000 | 13,576,000 |
| Provision for loan losses | 29,000 | -155,000 | -244,000 | -320,000 |
| Pretax income | 52,000 | 388,000 | 759,000 | 868,000 |
| Income tax | -51,000 | 14,000 | 20,000 | 15,000 |
| Net income | 103,000 | 374,000 | 739,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,134,000 | 65,404,000 | 65,769,000 | 65,883,000 |
| Total capital | 66,934,000 | 67,204,000 | 67,569,000 | 67,683,000 |
| Risk-weighted assets | 202,901,000 | 204,647,000 | 202,875,000 | 215,303,000 |