Call reports 2017
LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION — 2017
What LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 49,488,000 | 50,933,000 | 51,370,000 | 50,537,000 |
| Total loans | 33,153,000 | 32,264,000 | 32,839,000 | 34,346,000 |
| Allowance for loan losses | 403,000 | 403,000 | 328,000 | 328,000 |
| Securities available for sale | 9,586,000 | 9,528,000 | 8,909,000 | 7,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,662,000 | 45,345,000 | 45,088,000 | 44,141,000 |
| Interest-bearing deposits | 39,455,000 | 41,973,000 | 41,217,000 | 40,367,000 |
| Noninterest-bearing deposits | 4,207,000 | 3,372,000 | 3,871,000 | 3,774,000 |
| Equity capital | 5,137,000 | 5,272,000 | 5,307,000 | 5,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 432,000 | 897,000 | 1,453,000 | 1,899,000 |
| Interest expense | 91,000 | 191,000 | 297,000 | 398,000 |
| Net interest income | 341,000 | 706,000 | 1,156,000 | 1,501,000 |
| Noninterest income | 50,000 | 135,000 | 208,000 | 235,000 |
| Noninterest expense | 353,000 | 660,000 | 1,074,000 | 1,381,000 |
| Provision for loan losses | 10,000 | 10,000 | 85,000 | 85,000 |
| Pretax income | 28,000 | 174,000 | 207,000 | 257,000 |
| Income tax | 1,000 | 36,000 | 41,000 | 9,000 |
| Net income | 27,000 | 138,000 | 166,000 | 248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,124,000 | 5,233,000 | 5,263,000 | 5,357,000 |
| Total capital | 5,463,000 | 5,570,000 | 5,591,000 | 5,685,000 |
| Risk-weighted assets | 27,125,000 | 26,961,000 | 26,799,000 | 26,995,000 |