Call reports 2013
LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION — 2013
What LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION 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 | 46,298,000 | 46,210,000 | 46,256,000 | 46,454,000 |
| Total loans | 25,423,000 | 27,320,000 | 26,587,000 | 26,201,000 |
| Allowance for loan losses | 389,000 | 390,000 | 295,000 | 266,000 |
| Securities available for sale | 13,349,000 | 12,726,000 | 12,760,000 | 12,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,704,000 | 40,965,000 | 40,898,000 | 41,341,000 |
| Interest-bearing deposits | 37,673,000 | 39,190,000 | 39,246,000 | 38,362,000 |
| Noninterest-bearing deposits | 3,031,000 | 1,775,000 | 1,652,000 | 2,979,000 |
| Equity capital | 4,959,000 | 4,880,000 | 4,885,000 | 4,891,000 |
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 | 407,000 | 785,000 | 1,237,000 | 1,636,000 |
| Interest expense | 97,000 | 192,000 | 287,000 | 384,000 |
| Net interest income | 310,000 | 593,000 | 950,000 | 1,252,000 |
| Noninterest income | 74,000 | 108,000 | 154,000 | 163,000 |
| Noninterest expense | 310,000 | 556,000 | 947,000 | 1,248,000 |
| Provision for loan losses | 25,000 | 25,000 | 55,000 | 62,000 |
| Pretax income | 49,000 | 120,000 | 102,000 | 105,000 |
| Income tax | 8,000 | 24,000 | 6,000 | 1,000 |
| Net income | 41,000 | 96,000 | 96,000 | 104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,792,000 | 4,847,000 | 4,847,000 | 4,876,000 |
| Total capital | 5,100,000 | 5,153,000 | 5,142,000 | 5,142,000 |
| Risk-weighted assets | 24,333,000 | 23,712,000 | 23,654,000 | 22,894,000 |