Call reports 2021
LUSITANIA SAVINGS BANK — 2021
What LUSITANIA SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 377,613,000 | 382,893,000 | 392,149,000 | 394,743,000 |
| Total loans | 160,888,000 | 169,396,000 | 169,564,000 | 170,913,000 |
| Allowance for loan losses | 2,569,000 | 2,569,000 | 2,569,000 | 2,569,000 |
| Securities available for sale | 49,521,000 | 46,621,000 | 43,233,000 | 43,144,000 |
| Securities held to maturity | 75,943,000 | 84,936,000 | 97,884,000 | 100,761,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,653,000 | 324,953,000 | 334,143,000 | 336,711,000 |
| Interest-bearing deposits | 270,324,000 | 273,652,000 | 278,297,000 | 282,299,000 |
| Noninterest-bearing deposits | 50,329,000 | 51,301,000 | 55,846,000 | 54,412,000 |
| Equity capital | 53,408,000 | 54,433,000 | 54,806,000 | 55,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,170,000 | 4,543,000 | 6,660,000 | 8,909,000 |
| Interest expense | 105,000 | 177,000 | 234,000 | 280,000 |
| Net interest income | 2,065,000 | 4,366,000 | 6,426,000 | 8,629,000 |
| Noninterest income | 93,000 | 202,000 | 310,000 | 412,000 |
| Noninterest expense | 1,347,000 | 2,687,000 | 4,072,000 | 5,765,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 811,000 | 1,881,000 | 2,664,000 | 3,276,000 |
| Income tax | 235,000 | 544,000 | 777,000 | 948,000 |
| Net income | 576,000 | 1,337,000 | 1,887,000 | 2,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,442,000 | 54,202,000 | 54,752,000 | 55,193,000 |
| Total capital | 55,374,000 | 56,169,000 | 56,741,000 | 57,277,000 |
| Risk-weighted assets | 153,986,000 | 156,776,000 | 158,614,000 | 166,282,000 |