Call reports 2013
FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER — 2013
What FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 262,383,000 | 262,676,000 | 262,208,000 | 261,320,000 |
| Total loans | 223,967,000 | 223,781,000 | 227,488,000 | 228,283,000 |
| Allowance for loan losses | 312,000 | 300,000 | 308,000 | 311,000 |
| Securities available for sale | 8,146,000 | 6,086,000 | 6,075,000 | 6,049,000 |
| Securities held to maturity | 100,000 | 61,000 | 33,000 | 16,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,755,000 | 228,824,000 | 225,216,000 | 224,500,000 |
| Interest-bearing deposits | 222,065,000 | 220,582,000 | 217,650,000 | 217,817,000 |
| Noninterest-bearing deposits | 6,690,000 | 8,242,000 | 7,566,000 | 6,683,000 |
| Equity capital | 24,242,000 | 24,470,000 | 24,676,000 | 24,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,717,000 | 5,390,000 | 7,994,000 | 10,646,000 |
| Interest expense | 638,000 | 1,220,000 | 1,782,000 | 2,309,000 |
| Net interest income | 2,079,000 | 4,170,000 | 6,212,000 | 8,337,000 |
| Noninterest income | 154,000 | 271,000 | 379,000 | 483,000 |
| Noninterest expense | 1,836,000 | 3,624,000 | 5,427,000 | 7,350,000 |
| Provision for loan losses | 21,000 | 39,000 | 61,000 | 124,000 |
| Pretax income | 376,000 | 778,000 | 1,103,000 | 1,346,000 |
| Income tax | 134,000 | 277,000 | 393,000 | 482,000 |
| Net income | 242,000 | 501,000 | 710,000 | 864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,193,000 | 24,453,000 | 24,661,000 | 24,816,000 |
| Total capital | 24,505,000 | 24,753,000 | 24,969,000 | 25,127,000 |
| Risk-weighted assets | 134,272,000 | 133,696,000 | 134,553,000 | 133,583,000 |