Call reports 2019
FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER — 2019
What FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER 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 | 263,821,000 | 264,111,000 | 265,720,000 | 264,280,000 |
| Total loans | 231,579,000 | 233,514,000 | 235,061,000 | 235,134,000 |
| Allowance for loan losses | 716,000 | 715,000 | 707,000 | 705,000 |
| Securities available for sale | 8,967,000 | 8,002,000 | 9,021,000 | 7,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,021,000 | 229,005,000 | 230,268,000 | 229,540,000 |
| Interest-bearing deposits | 216,440,000 | 215,943,000 | 216,488,000 | 216,407,000 |
| Noninterest-bearing deposits | 12,581,000 | 13,062,000 | 13,780,000 | 13,133,000 |
| Equity capital | 29,590,000 | 29,980,000 | 30,275,000 | 30,603,000 |
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 | 2,735,000 | 5,479,000 | 8,226,000 | 10,972,000 |
| Interest expense | 572,000 | 1,175,000 | 1,797,000 | 2,423,000 |
| Net interest income | 2,163,000 | 4,304,000 | 6,429,000 | 8,549,000 |
| Noninterest income | 138,000 | 254,000 | 369,000 | 491,000 |
| Noninterest expense | 1,887,000 | 3,688,000 | 5,538,000 | 7,374,000 |
| Provision for loan losses | -1,000 | 7,000 | 42,000 | 51,000 |
| Pretax income | 415,000 | 863,000 | 1,218,000 | 1,615,000 |
| Income tax | 84,000 | 175,000 | 246,000 | 327,000 |
| Net income | 331,000 | 688,000 | 972,000 | 1,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,648,000 | 30,005,000 | 30,289,000 | 30,605,000 |
| Total capital | 30,364,000 | 30,720,000 | 30,996,000 | 31,310,000 |
| Risk-weighted assets | 129,162,000 | 130,161,000 | 130,845,000 | 130,507,000 |