Call reports 2015
LUSITANIA SAVINGS BANK — 2015
What LUSITANIA SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 279,668,000 | 280,077,000 | 280,143,000 | 284,124,000 |
| Total loans | 152,526,000 | 150,438,000 | 151,184,000 | 147,137,000 |
| Allowance for loan losses | 2,575,000 | 2,643,000 | 2,792,000 | 2,825,000 |
| Securities available for sale | 13,755,000 | 13,286,000 | 11,364,000 | 11,112,000 |
| Securities held to maturity | 36,810,000 | 35,938,000 | 36,901,000 | 35,935,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,049,000 | 237,911,000 | 237,230,000 | 240,791,000 |
| Interest-bearing deposits | 213,736,000 | 213,833,000 | 212,864,000 | 216,828,000 |
| Noninterest-bearing deposits | 24,313,000 | 24,078,000 | 24,366,000 | 23,963,000 |
| Equity capital | 39,936,000 | 40,457,000 | 41,039,000 | 41,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,180,000 | 4,424,000 | 6,613,000 | 8,718,000 |
| Interest expense | 188,000 | 386,000 | 595,000 | 809,000 |
| Net interest income | 1,992,000 | 4,038,000 | 6,018,000 | 7,909,000 |
| Noninterest income | 26,000 | 82,000 | 139,000 | 191,000 |
| Noninterest expense | 977,000 | 1,951,000 | 3,003,000 | 4,445,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 941,000 | 1,969,000 | 2,854,000 | 3,255,000 |
| Income tax | 399,000 | 820,000 | 1,170,000 | 1,237,000 |
| Net income | 542,000 | 1,149,000 | 1,684,000 | 2,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,780,000 | 40,388,000 | 40,923,000 | 41,257,000 |
| Total capital | 41,212,000 | 41,786,000 | 42,331,000 | 42,697,000 |
| Risk-weighted assets | 113,441,000 | 110,665,000 | 111,256,000 | 113,849,000 |