Call reports 2011
BANK OF THE LOWCOUNTRY — 2011
What BANK OF THE LOWCOUNTRY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 157,517,000 | 157,243,000 | 159,806,000 | 159,591,000 |
| Total loans | 102,761,000 | 100,357,000 | 97,838,000 | 93,808,000 |
| Allowance for loan losses | 1,961,000 | 1,913,000 | 2,423,000 | 1,967,000 |
| Securities available for sale | 28,977,000 | 31,274,000 | 29,332,000 | 28,235,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,295,000 | 138,240,000 | 140,721,000 | 140,874,000 |
| Interest-bearing deposits | 123,887,000 | 125,518,000 | 127,177,000 | 126,946,000 |
| Noninterest-bearing deposits | 15,408,000 | 12,722,000 | 13,544,000 | 13,928,000 |
| Equity capital | 17,719,000 | 18,288,000 | 18,320,000 | 18,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,768,000 | 3,564,000 | 5,256,000 | 6,861,000 |
| Interest expense | 404,000 | 781,000 | 1,130,000 | 1,456,000 |
| Net interest income | 1,364,000 | 2,783,000 | 4,126,000 | 5,405,000 |
| Noninterest income | 150,000 | 336,000 | 445,000 | 686,000 |
| Noninterest expense | 1,079,000 | 2,111,000 | 3,124,000 | 4,114,000 |
| Provision for loan losses | 225,000 | 538,000 | 1,153,000 | 1,920,000 |
| Pretax income | 210,000 | 470,000 | 294,000 | 284,000 |
| Income tax | 33,000 | 100,000 | 50,000 | -19,000 |
| Net income | 177,000 | 370,000 | 244,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,705,000 | 17,899,000 | 17,772,000 | 17,831,000 |
| Total capital | 19,056,000 | 19,208,000 | 19,085,000 | 19,104,000 |
| Risk-weighted assets | 107,522,000 | 104,152,000 | 103,919,000 | 101,189,000 |
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