Call reports 2018
LUSITANIA SAVINGS BANK — 2018
What LUSITANIA SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 312,035,000 | 312,380,000 | 313,059,000 | 315,233,000 |
| Total loans | 159,627,000 | 162,669,000 | 160,397,000 | 159,604,000 |
| Allowance for loan losses | 2,521,000 | 2,546,000 | 2,571,000 | 2,571,000 |
| Securities available for sale | 21,113,000 | 21,818,000 | 19,414,000 | 19,688,000 |
| Securities held to maturity | 30,931,000 | 30,356,000 | 30,040,000 | 29,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,719,000 | 264,302,000 | 264,195,000 | 265,338,000 |
| Interest-bearing deposits | 228,217,000 | 232,401,000 | 231,775,000 | 233,233,000 |
| Noninterest-bearing deposits | 35,502,000 | 31,901,000 | 32,420,000 | 32,105,000 |
| Equity capital | 45,769,000 | 46,287,000 | 46,932,000 | 47,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,268,000 | 4,609,000 | 7,007,000 | 9,510,000 |
| Interest expense | 278,000 | 603,000 | 965,000 | 1,385,000 |
| Net interest income | 1,990,000 | 4,006,000 | 6,042,000 | 8,125,000 |
| Noninterest income | 243,000 | 340,000 | 442,000 | 544,000 |
| Noninterest expense | 1,117,000 | 2,332,000 | 3,532,000 | 4,923,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 75,000 |
| Pretax income | 1,091,000 | 1,964,000 | 2,877,000 | 3,671,000 |
| Income tax | 296,000 | 570,000 | 835,000 | 1,064,000 |
| Net income | 795,000 | 1,394,000 | 2,042,000 | 2,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,134,000 | 46,733,000 | 47,381,000 | 47,947,000 |
| Total capital | 47,774,000 | 48,368,000 | 48,987,000 | 49,537,000 |
| Risk-weighted assets | 130,357,000 | 129,915,000 | 127,573,000 | 126,281,000 |