Call reports 2022
LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION — 2022
What LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 74,495,000 | 75,684,000 | 77,530,000 | 77,616,000 |
| Total loans | 48,562,000 | 47,716,000 | 50,659,000 | 51,985,000 |
| Allowance for loan losses | 410,000 | 419,000 | 417,000 | 416,000 |
| Securities available for sale | 16,782,000 | 17,340,000 | 16,841,000 | 16,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,072,000 | 69,991,000 | 72,423,000 | 70,418,000 |
| Interest-bearing deposits | 58,678,000 | 60,412,000 | 61,476,000 | 59,835,000 |
| Noninterest-bearing deposits | 9,394,000 | 9,579,000 | 10,947,000 | 10,583,000 |
| Equity capital | 5,974,000 | 5,149,000 | 4,556,000 | 5,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 578,000 | 1,113,000 | 1,721,000 | 2,360,000 |
| Interest expense | 122,000 | 230,000 | 323,000 | 426,000 |
| Net interest income | 456,000 | 883,000 | 1,398,000 | 1,934,000 |
| Noninterest income | 74,000 | 172,000 | 242,000 | 345,000 |
| Noninterest expense | 449,000 | 914,000 | 1,371,000 | 1,871,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 21,000 |
| Pretax income | 81,000 | 140,000 | 268,000 | 387,000 |
| Income tax | 9,000 | 16,000 | 38,000 | 56,000 |
| Net income | 72,000 | 124,000 | 230,000 | 331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,840,000 | 6,893,000 | 6,999,000 | 7,100,000 |
| Total capital | 7,250,000 | 7,312,000 | 7,416,000 | 7,516,000 |
| Risk-weighted assets | 37,208,000 | 37,206,000 | 39,768,000 | 40,858,000 |