Call reports 2019
LUSITANIA SAVINGS BANK — 2019
What LUSITANIA SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 320,643,000 | 324,164,000 | 328,910,000 | 332,856,000 |
| Total loans | 156,401,000 | 152,707,000 | 155,729,000 | 160,225,000 |
| Allowance for loan losses | 2,584,000 | 2,584,000 | 2,583,000 | 2,569,000 |
| Securities available for sale | 19,708,000 | 21,824,000 | 23,744,000 | 27,392,000 |
| Securities held to maturity | 31,445,000 | 29,071,000 | 33,517,000 | 33,088,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,924,000 | 272,952,000 | 276,330,000 | 279,644,000 |
| Interest-bearing deposits | 234,773,000 | 235,762,000 | 239,780,000 | 245,007,000 |
| Noninterest-bearing deposits | 35,151,000 | 37,190,000 | 36,550,000 | 34,637,000 |
| Equity capital | 48,537,000 | 49,437,000 | 50,110,000 | 50,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,479,000 | 5,012,000 | 7,595,000 | 10,151,000 |
| Interest expense | 466,000 | 969,000 | 1,519,000 | 2,069,000 |
| Net interest income | 2,013,000 | 4,043,000 | 6,076,000 | 8,082,000 |
| Noninterest income | 105,000 | 201,000 | 306,000 | 418,000 |
| Noninterest expense | 1,154,000 | 2,318,000 | 3,591,000 | 5,021,000 |
| Provision for loan losses | 13,000 | 13,000 | 12,000 | 12,000 |
| Pretax income | 951,000 | 1,913,000 | 2,779,000 | 3,467,000 |
| Income tax | 276,000 | 556,000 | 806,000 | 1,005,000 |
| Net income | 675,000 | 1,357,000 | 1,973,000 | 2,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,622,000 | 49,304,000 | 49,919,000 | 50,408,000 |
| Total capital | 50,226,000 | 50,912,000 | 51,570,000 | 52,071,000 |
| Risk-weighted assets | 127,341,000 | 127,664,000 | 131,201,000 | 132,183,000 |