Call reports 2015
LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION — 2015
What LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 46,611,000 | 46,319,000 | 45,552,000 | 45,085,000 |
| Total loans | 27,404,000 | 28,269,000 | 29,238,000 | 29,377,000 |
| Allowance for loan losses | 243,000 | 243,000 | 244,000 | 254,000 |
| Securities available for sale | 11,828,000 | 10,983,000 | 9,472,000 | 8,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,672,000 | 40,263,000 | 39,598,000 | 39,229,000 |
| Interest-bearing deposits | 38,315,000 | 37,617,000 | 36,713,000 | 36,264,000 |
| Noninterest-bearing deposits | 2,357,000 | 2,646,000 | 2,885,000 | 2,965,000 |
| Equity capital | 5,091,000 | 5,085,000 | 5,132,000 | 5,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 831,000 | 1,237,000 | 1,731,000 |
| Interest expense | 81,000 | 159,000 | 242,000 | 323,000 |
| Net interest income | 354,000 | 672,000 | 995,000 | 1,408,000 |
| Noninterest income | 64,000 | 129,000 | 184,000 | 239,000 |
| Noninterest expense | 351,000 | 697,000 | 1,044,000 | 1,412,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 20,000 |
| Pretax income | 67,000 | 104,000 | 142,000 | 233,000 |
| Income tax | 17,000 | 21,000 | 27,000 | 44,000 |
| Net income | 50,000 | 83,000 | 115,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,001,000 | 5,032,000 | 5,065,000 | 5,139,000 |
| Total capital | 5,244,000 | 5,275,000 | 5,309,000 | 5,393,000 |
| Risk-weighted assets | 24,233,000 | 25,220,000 | 25,709,000 | 23,906,000 |