Call reports 2026
LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION — 2026
What LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 91,880,000 | 93,182,000 |
| Total loans | 71,991,000 | 72,860,000 |
| Allowance for loan losses | 590,000 | 590,000 |
| Securities available for sale | 12,321,000 | 13,843,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 70,604,000 | 72,338,000 |
| Interest-bearing deposits | 59,975,000 | 60,866,000 |
| Noninterest-bearing deposits | 10,629,000 | 11,472,000 |
| Equity capital | 7,553,000 | 7,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 1,136,000 | 2,277,000 |
| Interest expense | 356,000 | 733,000 |
| Net interest income | 780,000 | 1,544,000 |
| Noninterest income | 138,000 | 178,000 |
| Noninterest expense | 683,000 | 1,363,000 |
| Provision for loan losses | 45,000 | 45,000 |
| Pretax income | 190,000 | 314,000 |
| Income tax | 30,000 | 49,000 |
| Net income | 160,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 8,512,000 | 8,618,000 |