Call reports 2019
LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION — 2019
What LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 52,403,000 | 52,264,000 | 53,266,000 | 55,863,000 |
| Total loans | 38,225,000 | 39,182,000 | 40,609,000 | 41,359,000 |
| Allowance for loan losses | 417,000 | 418,000 | 440,000 | 258,000 |
| Securities available for sale | 6,215,000 | 4,757,000 | 4,297,000 | 4,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,938,000 | 44,370,000 | 46,186,000 | 49,491,000 |
| Interest-bearing deposits | 41,817,000 | 39,960,000 | 40,756,000 | 44,015,000 |
| Noninterest-bearing deposits | 4,121,000 | 4,410,000 | 5,430,000 | 5,476,000 |
| Equity capital | 5,677,000 | 5,856,000 | 6,015,000 | 6,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 563,000 | 1,176,000 | 1,750,000 | 2,450,000 |
| Interest expense | 141,000 | 275,000 | 386,000 | 568,000 |
| Net interest income | 422,000 | 901,000 | 1,364,000 | 1,882,000 |
| Noninterest income | 40,000 | 76,000 | 163,000 | 209,000 |
| Noninterest expense | 348,000 | 740,000 | 1,147,000 | 1,621,000 |
| Provision for loan losses | 0 | 0 | 22,000 | 72,000 |
| Pretax income | 114,000 | 237,000 | 358,000 | 398,000 |
| Income tax | 24,000 | 48,000 | 78,000 | 85,000 |
| Net income | 90,000 | 189,000 | 280,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,718,000 | 5,803,000 | 5,894,000 | 5,926,000 |
| Total capital | 6,079,000 | 6,158,000 | 6,264,000 | 6,184,000 |
| Risk-weighted assets | 28,855,000 | 28,387,000 | 29,530,000 | 30,259,000 |