Call reports 2012
LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION — 2012
What LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION 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 | 49,328,000 | 49,078,000 | 49,488,000 | 47,734,000 |
| Total loans | 27,293,000 | 27,030,000 | 27,311,000 | 25,531,000 |
| Allowance for loan losses | 348,000 | 371,000 | 383,000 | 378,000 |
| Securities available for sale | 15,716,000 | 15,919,000 | 16,025,000 | 14,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,615,000 | 42,952,000 | 41,915,000 | 40,721,000 |
| Interest-bearing deposits | 41,011,000 | 39,919,000 | 38,506,000 | 36,936,000 |
| Noninterest-bearing deposits | 1,604,000 | 3,033,000 | 3,409,000 | 3,785,000 |
| Equity capital | 4,752,000 | 4,838,000 | 4,957,000 | 4,930,000 |
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 | 470,000 | 934,000 | 1,378,000 | 1,956,000 |
| Interest expense | 151,000 | 297,000 | 436,000 | 538,000 |
| Net interest income | 319,000 | 637,000 | 942,000 | 1,418,000 |
| Noninterest income | 85,000 | 127,000 | 213,000 | 261,000 |
| Noninterest expense | 284,000 | 540,000 | 824,000 | 1,188,000 |
| Provision for loan losses | 0 | 25,000 | 40,000 | 207,000 |
| Pretax income | 120,000 | 197,000 | 289,000 | 333,000 |
| Income tax | 29,000 | 44,000 | 66,000 | 79,000 |
| Net income | 91,000 | 153,000 | 223,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,587,000 | 4,650,000 | 4,719,000 | 4,750,000 |
| Total capital | 4,883,000 | 4,991,000 | 5,009,000 | 5,045,000 |
| Risk-weighted assets | 25,871,000 | 27,204,000 | 25,654,000 | 24,570,000 |