Call reports 2022
LUSITANIA SAVINGS BANK — 2022
What LUSITANIA SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 399,391,000 | 396,494,000 | 395,224,000 | 383,686,000 |
| Total loans | 171,123,000 | 175,867,000 | 176,843,000 | 177,766,000 |
| Allowance for loan losses | 2,415,000 | 2,416,000 | 2,416,000 | 2,416,000 |
| Securities available for sale | 41,762,000 | 35,373,000 | 31,891,000 | 29,825,000 |
| Securities held to maturity | 100,950,000 | 102,545,000 | 106,972,000 | 99,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,047,000 | 339,886,000 | 339,091,000 | 325,823,000 |
| Interest-bearing deposits | 285,028,000 | 279,454,000 | 275,219,000 | 268,259,000 |
| Noninterest-bearing deposits | 57,019,000 | 60,432,000 | 63,872,000 | 57,564,000 |
| Equity capital | 53,946,000 | 53,703,000 | 53,089,000 | 53,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,143,000 | 4,220,000 | 6,436,000 | 8,745,000 |
| Interest expense | 37,000 | 73,000 | 126,000 | 303,000 |
| Net interest income | 2,106,000 | 4,147,000 | 6,310,000 | 8,442,000 |
| Noninterest income | 107,000 | 225,000 | 339,000 | 513,000 |
| Noninterest expense | 1,378,000 | 2,654,000 | 4,041,000 | 5,802,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 835,000 | 1,718,000 | 2,608,000 | 3,153,000 |
| Income tax | 239,000 | 491,000 | 746,000 | 902,000 |
| Net income | 596,000 | 1,227,000 | 1,862,000 | 2,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,790,000 | 56,419,000 | 57,055,000 | 57,444,000 |
| Total capital | 57,834,000 | 58,403,000 | 58,986,000 | 59,377,000 |
| Risk-weighted assets | 163,213,000 | 158,348,000 | 154,043,000 | 154,203,000 |