Call reports 2014
LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION — 2014
What LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 47,289,000 | 47,814,000 | 47,095,000 | 46,915,000 |
| Total loans | 25,175,000 | 25,489,000 | 26,355,000 | 27,009,000 |
| Allowance for loan losses | 259,000 | 246,000 | 299,000 | 302,000 |
| Securities available for sale | 12,798,000 | 15,635,000 | 13,825,000 | 12,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,142,000 | 42,469,000 | 41,254,000 | 41,429,000 |
| Interest-bearing deposits | 39,109,000 | 39,625,000 | 38,137,000 | 38,168,000 |
| Noninterest-bearing deposits | 3,033,000 | 2,844,000 | 3,117,000 | 3,261,000 |
| Equity capital | 4,964,000 | 4,984,000 | 5,043,000 | 5,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 391,000 | 786,000 | 1,204,000 | 1,534,000 |
| Interest expense | 93,000 | 186,000 | 282,000 | 375,000 |
| Net interest income | 298,000 | 600,000 | 922,000 | 1,159,000 |
| Noninterest income | 67,000 | 85,000 | 157,000 | 167,000 |
| Noninterest expense | 312,000 | 633,000 | 877,000 | 1,183,000 |
| Provision for loan losses | 4,000 | 50,000 | 94,000 | 94,000 |
| Pretax income | 49,000 | 13,000 | 119,000 | 72,000 |
| Income tax | 8,000 | -16,000 | 16,000 | -1,000 |
| Net income | 41,000 | 29,000 | 103,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,917,000 | 4,905,000 | 4,979,000 | 4,950,000 |
| Total capital | 5,176,000 | 5,151,000 | 5,277,000 | 5,248,000 |
| Risk-weighted assets | 22,587,000 | 23,345,000 | 23,810,000 | 23,813,000 |