Call reports 2019
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN — 2019
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 444,427,000 | 443,130,000 | 440,839,000 | 439,760,000 |
| Total loans | 271,072,000 | 273,747,000 | 271,367,000 | 279,666,000 |
| Allowance for loan losses | 1,800,000 | 1,800,000 | 1,800,000 | 1,865,000 |
| Securities available for sale | 110,336,000 | 103,679,000 | 90,797,000 | 84,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,229,000 | 336,792,000 | 333,789,000 | 339,185,000 |
| Interest-bearing deposits | 304,662,000 | 305,645,000 | 302,493,000 | 305,290,000 |
| Noninterest-bearing deposits | 29,567,000 | 31,147,000 | 31,296,000 | 33,895,000 |
| Equity capital | 63,815,000 | 65,308,000 | 65,865,000 | 65,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,805,000 | 7,850,000 | 11,624,000 | 15,282,000 |
| Interest expense | 780,000 | 1,623,000 | 2,506,000 | 3,392,000 |
| Net interest income | 3,025,000 | 6,227,000 | 9,118,000 | 11,890,000 |
| Noninterest income | 378,000 | 809,000 | 1,339,000 | 1,928,000 |
| Noninterest expense | 3,374,000 | 6,718,000 | 10,105,000 | 13,763,000 |
| Provision for loan losses | -35,000 | -234,000 | -218,000 | -230,000 |
| Pretax income | 81,000 | 578,000 | 599,000 | 308,000 |
| Income tax | -23,000 | 24,000 | -76,000 | -178,000 |
| Net income | 104,000 | 554,000 | 675,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,987,000 | 66,437,000 | 66,558,000 | 66,370,000 |
| Total capital | 67,787,000 | 68,237,000 | 68,358,000 | 68,235,000 |
| Risk-weighted assets | 212,892,000 | 212,818,000 | 207,472,000 | 209,548,000 |