Call reports 2012
FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER — 2012
What FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 273,947,000 | 270,679,000 | 265,537,000 | 262,828,000 |
| Total loans | 227,649,000 | 224,935,000 | 224,728,000 | 222,585,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Securities available for sale | 10,218,000 | 12,234,000 | 12,220,000 | 11,185,000 |
| Securities held to maturity | 312,000 | 250,000 | 194,000 | 144,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,828,000 | 236,487,000 | 231,996,000 | 229,382,000 |
| Interest-bearing deposits | 233,285,000 | 229,810,000 | 225,321,000 | 223,024,000 |
| Noninterest-bearing deposits | 6,543,000 | 6,677,000 | 6,675,000 | 6,358,000 |
| Equity capital | 23,656,000 | 23,676,000 | 23,735,000 | 24,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,953,000 | 5,840,000 | 8,690,000 | 11,499,000 |
| Interest expense | 886,000 | 1,740,000 | 2,544,000 | 3,256,000 |
| Net interest income | 2,067,000 | 4,100,000 | 6,146,000 | 8,243,000 |
| Noninterest income | 147,000 | 267,000 | 375,000 | 530,000 |
| Noninterest expense | 2,065,000 | 4,095,000 | 6,119,000 | 7,756,000 |
| Provision for loan losses | 35,000 | 128,000 | 152,000 | 293,000 |
| Pretax income | 114,000 | 144,000 | 250,000 | 724,000 |
| Income tax | 39,000 | 64,000 | 106,000 | 273,000 |
| Net income | 75,000 | 80,000 | 144,000 | 451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,575,000 | 23,580,000 | 23,644,000 | 23,951,000 |
| Total capital | 23,875,000 | 23,880,000 | 23,944,000 | 24,251,000 |
| Risk-weighted assets | 141,175,000 | 137,242,000 | 136,267,000 | 133,853,000 |