Call reports 2012
LUSITANIA SAVINGS BANK — 2012
What LUSITANIA SAVINGS BANK 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 | 264,662,000 | 265,259,000 | 264,802,000 | 266,343,000 |
| Total loans | 162,943,000 | 163,587,000 | 161,972,000 | 159,503,000 |
| Allowance for loan losses | 3,125,000 | 3,059,000 | 3,023,000 | 3,723,000 |
| Securities available for sale | 13,154,000 | 15,657,000 | 15,391,000 | 15,021,000 |
| Securities held to maturity | 32,080,000 | 33,487,000 | 33,522,000 | 32,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,536,000 | 230,209,000 | 228,595,000 | 230,242,000 |
| Interest-bearing deposits | 209,809,000 | 209,853,000 | 208,671,000 | 210,353,000 |
| Noninterest-bearing deposits | 19,727,000 | 20,356,000 | 19,924,000 | 19,889,000 |
| Equity capital | 32,938,000 | 33,625,000 | 34,412,000 | 34,643,000 |
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 | 2,564,000 | 5,015,000 | 7,484,000 | 9,817,000 |
| Interest expense | 363,000 | 708,000 | 1,013,000 | 1,295,000 |
| Net interest income | 2,201,000 | 4,307,000 | 6,471,000 | 8,522,000 |
| Noninterest income | 52,000 | 73,000 | 116,000 | 179,000 |
| Noninterest expense | 901,000 | 1,894,000 | 2,822,000 | 3,931,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 850,000 |
| Pretax income | 1,302,000 | 2,386,000 | 3,615,000 | 3,920,000 |
| Income tax | 531,000 | 961,000 | 1,468,000 | 1,562,000 |
| Net income | 771,000 | 1,425,000 | 2,147,000 | 2,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,844,000 | 33,498,000 | 34,220,000 | 34,431,000 |
| Total capital | 34,383,000 | 35,024,000 | 35,710,000 | 35,921,000 |
| Risk-weighted assets | 121,506,000 | 120,508,000 | 117,627,000 | 116,937,000 |