Call reports 2018
LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION — 2018
What LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 50,102,000 | 52,786,000 | 52,712,000 | 51,604,000 |
| Total loans | 34,122,000 | 36,830,000 | 36,861,000 | 37,879,000 |
| Allowance for loan losses | 328,000 | 328,000 | 321,000 | 444,000 |
| Securities available for sale | 7,122,000 | 7,015,000 | 6,894,000 | 5,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,187,000 | 46,411,000 | 46,330,000 | 45,166,000 |
| Interest-bearing deposits | 40,536,000 | 42,579,000 | 43,366,000 | 41,069,000 |
| Noninterest-bearing deposits | 3,651,000 | 3,832,000 | 2,964,000 | 4,097,000 |
| Equity capital | 5,330,000 | 5,372,000 | 5,424,000 | 5,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 1,024,000 | 1,579,000 | 2,153,000 |
| Interest expense | 101,000 | 211,000 | 335,000 | 474,000 |
| Net interest income | 404,000 | 813,000 | 1,244,000 | 1,679,000 |
| Noninterest income | 52,000 | 78,000 | 107,000 | 145,000 |
| Noninterest expense | 351,000 | 689,000 | 1,004,000 | 1,353,000 |
| Provision for loan losses | 0 | 5,000 | 55,000 | 165,000 |
| Pretax income | 105,000 | 197,000 | 292,000 | 293,000 |
| Income tax | 23,000 | 40,000 | 59,000 | 58,000 |
| Net income | 82,000 | 157,000 | 233,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,461,000 | 5,536,000 | 5,612,000 | 5,614,000 |
| Total capital | 5,789,000 | 5,864,000 | 5,933,000 | 6,002,000 |
| Risk-weighted assets | 26,880,000 | 28,159,000 | 27,858,000 | 31,052,000 |