Call reports 2014
LUSITANIA SAVINGS BANK — 2014
What LUSITANIA SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 278,863,000 | 277,436,000 | 275,823,000 | 276,365,000 |
| Total loans | 160,116,000 | 157,699,000 | 156,262,000 | 155,004,000 |
| Allowance for loan losses | 2,248,000 | 2,283,000 | 2,250,000 | 2,497,000 |
| Securities available for sale | 16,195,000 | 15,642,000 | 15,171,000 | 14,851,000 |
| Securities held to maturity | 36,918,000 | 40,690,000 | 40,592,000 | 39,644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,126,000 | 237,618,000 | 235,187,000 | 235,460,000 |
| Interest-bearing deposits | 214,837,000 | 214,092,000 | 212,025,000 | 213,205,000 |
| Noninterest-bearing deposits | 24,289,000 | 23,526,000 | 23,162,000 | 22,255,000 |
| Equity capital | 37,669,000 | 38,377,000 | 38,964,000 | 39,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,241,000 | 4,437,000 | 6,609,000 | 8,535,000 |
| Interest expense | 187,000 | 376,000 | 569,000 | 762,000 |
| Net interest income | 2,054,000 | 4,061,000 | 6,040,000 | 7,773,000 |
| Noninterest income | 46,000 | 115,000 | 166,000 | 254,000 |
| Noninterest expense | 964,000 | 1,904,000 | 2,913,000 | 4,098,000 |
| Provision for loan losses | 63,000 | 125,000 | 188,000 | 400,000 |
| Pretax income | 1,073,000 | 2,147,000 | 3,105,000 | 3,529,000 |
| Income tax | 437,000 | 868,000 | 1,258,000 | 1,417,000 |
| Net income | 636,000 | 1,279,000 | 1,847,000 | 2,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,762,000 | 38,405,000 | 38,973,000 | 39,238,000 |
| Total capital | 39,249,000 | 39,874,000 | 40,432,000 | 40,686,000 |
| Risk-weighted assets | 118,200,000 | 116,734,000 | 115,902,000 | 114,814,000 |