Call reports 2016
LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION — 2016
What LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 45,997,000 | 47,720,000 | 48,063,000 | 47,505,000 |
| Total loans | 29,524,000 | 32,262,000 | 33,912,000 | 32,612,000 |
| Allowance for loan losses | 369,000 | 363,000 | 361,000 | 393,000 |
| Securities available for sale | 10,133,000 | 8,882,000 | 8,087,000 | 8,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,658,000 | 41,527,000 | 42,293,000 | 42,195,000 |
| Interest-bearing deposits | 38,030,000 | 38,996,000 | 39,148,000 | 38,366,000 |
| Noninterest-bearing deposits | 2,628,000 | 2,531,000 | 3,145,000 | 3,829,000 |
| Equity capital | 5,096,000 | 5,110,000 | 5,182,000 | 5,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 402,000 | 869,000 | 1,321,000 | 1,763,000 |
| Interest expense | 88,000 | 178,000 | 275,000 | 369,000 |
| Net interest income | 314,000 | 691,000 | 1,046,000 | 1,394,000 |
| Noninterest income | 25,000 | 71,000 | 127,000 | 120,000 |
| Noninterest expense | 363,000 | 718,000 | 1,040,000 | 1,406,000 |
| Provision for loan losses | 164,000 | 164,000 | 164,000 | 199,000 |
| Pretax income | -188,000 | -111,000 | -22,000 | -82,000 |
| Income tax | -82,000 | -60,000 | -33,000 | -74,000 |
| Net income | -106,000 | -51,000 | 11,000 | -8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,033,000 | 5,094,000 | 5,156,000 | 5,131,000 |
| Total capital | 5,349,000 | 5,423,000 | 5,507,000 | 5,477,000 |
| Risk-weighted assets | 25,285,000 | 26,299,000 | 28,138,000 | 27,653,000 |