Call reports 2008
LOWRY STATE BANK — 2008
What LOWRY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 30,175,000 | 31,675,000 | 31,451,000 | 32,318,000 |
| Total loans | 26,644,000 | 27,975,000 | 27,623,000 | 27,348,000 |
| Allowance for loan losses | 269,000 | 165,000 | 203,000 | 217,000 |
| Securities available for sale | 1,172,000 | 1,163,000 | 1,168,000 | 1,186,000 |
| Securities held to maturity | 330,000 | 326,000 | 325,000 | 322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,624,000 | 25,483,000 | 24,084,000 | 24,655,000 |
| Interest-bearing deposits | 22,438,000 | 22,101,000 | 21,548,000 | 21,641,000 |
| Noninterest-bearing deposits | 3,186,000 | 3,382,000 | 2,536,000 | 3,014,000 |
| Equity capital | 3,039,000 | 3,068,000 | 3,153,000 | 3,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 536,000 | 1,086,000 | 1,655,000 | 2,179,000 |
| Interest expense | 193,000 | 390,000 | 585,000 | 754,000 |
| Net interest income | 343,000 | 696,000 | 1,070,000 | 1,425,000 |
| Noninterest income | 38,000 | 81,000 | 123,000 | 164,000 |
| Noninterest expense | 209,000 | 412,000 | 622,000 | 884,000 |
| Provision for loan losses | 0 | 10,000 | 60,000 | 225,000 |
| Pretax income | 172,000 | 355,000 | 511,000 | 480,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 172,000 | 355,000 | 511,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,036,000 | 3,073,000 | 3,152,000 | 3,121,000 |
| Total capital | 3,305,000 | 3,238,000 | 3,355,000 | 3,338,000 |
| Risk-weighted assets | 26,162,000 | 27,378,000 | 27,040,000 | 27,231,000 |
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