Call reports 2015
FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER — 2015
What FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 255,396,000 | 255,558,000 | 260,245,000 | 263,895,000 |
| Total loans | 225,397,000 | 226,862,000 | 230,513,000 | 232,182,000 |
| Allowance for loan losses | 449,000 | 356,000 | 343,000 | 860,000 |
| Securities available for sale | 5,289,000 | 7,284,000 | 7,286,000 | 6,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,807,000 | 215,822,000 | 218,620,000 | 222,883,000 |
| Interest-bearing deposits | 207,947,000 | 208,463,000 | 209,912,000 | 213,776,000 |
| Noninterest-bearing deposits | 7,860,000 | 7,359,000 | 8,708,000 | 9,107,000 |
| Equity capital | 25,444,000 | 25,630,000 | 25,874,000 | 25,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,533,000 | 5,081,000 | 7,648,000 | 10,258,000 |
| Interest expense | 452,000 | 914,000 | 1,382,000 | 1,859,000 |
| Net interest income | 2,081,000 | 4,167,000 | 6,266,000 | 8,399,000 |
| Noninterest income | 149,000 | 218,000 | 328,000 | 429,000 |
| Noninterest expense | 1,879,000 | 3,673,000 | 5,449,000 | 7,079,000 |
| Provision for loan losses | 93,000 | 171,000 | 239,000 | 847,000 |
| Pretax income | 258,000 | 541,000 | 906,000 | 902,000 |
| Income tax | 88,000 | 184,000 | 308,000 | 307,000 |
| Net income | 170,000 | 357,000 | 598,000 | 595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,444,000 | 25,630,000 | 25,874,000 | 25,848,000 |
| Total capital | 25,893,000 | 25,986,000 | 26,217,000 | 26,708,000 |
| Risk-weighted assets | 125,391,000 | 125,984,000 | 129,350,000 | 130,867,000 |