Call reports 2013
LUSITANIA SAVINGS BANK — 2013
What LUSITANIA SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 268,208,000 | 271,990,000 | 274,987,000 | 274,815,000 |
| Total loans | 155,117,000 | 154,979,000 | 158,166,000 | 161,876,000 |
| Allowance for loan losses | 2,141,000 | 2,159,000 | 2,209,000 | 2,537,000 |
| Securities available for sale | 17,301,000 | 20,069,000 | 16,953,000 | 16,486,000 |
| Securities held to maturity | 35,387,000 | 37,958,000 | 37,497,000 | 38,280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,974,000 | 235,084,000 | 236,758,000 | 236,541,000 |
| Interest-bearing deposits | 209,873,000 | 213,307,000 | 214,435,000 | 214,490,000 |
| Noninterest-bearing deposits | 21,101,000 | 21,777,000 | 22,323,000 | 22,051,000 |
| Equity capital | 35,319,000 | 35,640,000 | 36,493,000 | 36,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,343,000 | 4,679,000 | 7,294,000 | 9,586,000 |
| Interest expense | 243,000 | 453,000 | 648,000 | 841,000 |
| Net interest income | 2,100,000 | 4,226,000 | 6,646,000 | 8,745,000 |
| Noninterest income | 63,000 | 115,000 | 180,000 | 263,000 |
| Noninterest expense | 946,000 | 1,934,000 | 2,911,000 | 3,981,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 500,000 |
| Pretax income | 1,167,000 | 2,307,000 | 3,765,000 | 4,527,000 |
| Income tax | 466,000 | 940,000 | 1,538,000 | 1,831,000 |
| Net income | 701,000 | 1,367,000 | 2,227,000 | 2,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,131,000 | 35,797,000 | 36,657,000 | 37,126,000 |
| Total capital | 36,585,000 | 37,260,000 | 38,121,000 | 38,623,000 |
| Risk-weighted assets | 115,605,000 | 116,315,000 | 116,377,000 | 118,749,000 |