Call reports 2016
FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER — 2016
What FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 262,762,000 | 267,622,000 | 270,126,000 | 271,286,000 |
| Total loans | 231,403,000 | 227,666,000 | 227,007,000 | 225,719,000 |
| Allowance for loan losses | 865,000 | 903,000 | 892,000 | 884,000 |
| Securities available for sale | 7,022,000 | 7,031,000 | 8,014,000 | 12,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,712,000 | 226,614,000 | 229,327,000 | 231,087,000 |
| Interest-bearing deposits | 213,386,000 | 217,120,000 | 219,528,000 | 220,812,000 |
| Noninterest-bearing deposits | 8,326,000 | 9,494,000 | 9,799,000 | 10,275,000 |
| Equity capital | 26,210,000 | 26,439,000 | 26,587,000 | 26,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,615,000 | 5,227,000 | 7,815,000 | 10,384,000 |
| Interest expense | 473,000 | 950,000 | 1,444,000 | 1,946,000 |
| Net interest income | 2,142,000 | 4,277,000 | 6,371,000 | 8,438,000 |
| Noninterest income | 155,000 | 250,000 | 320,000 | 380,000 |
| Noninterest expense | 1,796,000 | 3,618,000 | 5,537,000 | 7,346,000 |
| Provision for loan losses | -16,000 | 55,000 | 57,000 | 69,000 |
| Pretax income | 517,000 | 854,000 | 1,097,000 | 1,403,000 |
| Income tax | 176,000 | 290,000 | 373,000 | 477,000 |
| Net income | 341,000 | 564,000 | 724,000 | 926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,210,000 | 26,414,000 | 26,574,000 | 26,776,000 |
| Total capital | 27,075,000 | 27,317,000 | 27,466,000 | 27,660,000 |
| Risk-weighted assets | 130,326,000 | 128,868,000 | 128,135,000 | 126,860,000 |