Call reports 2012
WESTMORELAND FEDERAL SAVINGS AND LOAN ASSOCIATION OF LATROBE — 2012
What WESTMORELAND FEDERAL SAVINGS AND LOAN ASSOCIATION OF LATROBE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 177,077,000 | 176,977,000 | 173,568,000 | 174,900,000 |
| Total loans | 86,276,000 | 84,000,000 | 82,192,000 | 81,050,000 |
| Allowance for loan losses | 392,000 | 392,000 | 392,000 | 392,000 |
| Securities available for sale | 27,000 | 23,000 | 23,000 | 24,000 |
| Securities held to maturity | 24,258,000 | 16,614,000 | 24,114,000 | 29,683,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,290,000 | 138,154,000 | 134,531,000 | 135,673,000 |
| Interest-bearing deposits | 136,488,000 | 136,525,000 | 133,223,000 | 133,992,000 |
| Noninterest-bearing deposits | 1,802,000 | 1,629,000 | 1,308,000 | 1,681,000 |
| Equity capital | 38,584,000 | 38,786,000 | 38,965,000 | 39,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,306,000 | 2,532,000 | 3,690,000 | 4,808,000 |
| Interest expense | 374,000 | 718,000 | 1,033,000 | 1,329,000 |
| Net interest income | 932,000 | 1,814,000 | 2,657,000 | 3,479,000 |
| Noninterest income | 5,000 | 12,000 | 18,000 | 23,000 |
| Noninterest expense | 570,000 | 1,130,000 | 1,695,000 | 2,259,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 367,000 | 696,000 | 980,000 | 1,243,000 |
| Income tax | 137,000 | 260,000 | 365,000 | 462,000 |
| Net income | 230,000 | 436,000 | 615,000 | 781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,584,000 | 38,786,000 | 38,965,000 | 39,132,000 |
| Total capital | 38,976,000 | 39,178,000 | 39,357,000 | 39,524,000 |
| Risk-weighted assets | 58,453,000 | 55,871,000 | 53,905,000 | 55,386,000 |