Call reports 2012
LOWRY STATE BANK — 2012
What LOWRY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 37,848,000 | 38,783,000 | 40,992,000 | 40,715,000 |
| Total loans | 31,938,000 | 34,943,000 | 35,946,000 | 36,711,000 |
| Allowance for loan losses | 377,000 | 437,000 | 447,000 | 450,000 |
| Securities available for sale | 457,000 | 461,000 | 462,000 | 460,000 |
| Securities held to maturity | 172,000 | 170,000 | 170,000 | 167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,941,000 | 32,491,000 | 34,532,000 | 33,683,000 |
| Interest-bearing deposits | 27,977,000 | 27,531,000 | 28,357,000 | 28,683,000 |
| Noninterest-bearing deposits | 3,964,000 | 4,960,000 | 6,175,000 | 5,000,000 |
| Equity capital | 3,322,000 | 3,424,000 | 3,564,000 | 3,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 529,000 | 1,076,000 | 1,644,000 | 2,208,000 |
| Interest expense | 85,000 | 163,000 | 240,000 | 314,000 |
| Net interest income | 444,000 | 913,000 | 1,404,000 | 1,894,000 |
| Noninterest income | 31,000 | 63,000 | 104,000 | 135,000 |
| Noninterest expense | 240,000 | 487,000 | 732,000 | 1,001,000 |
| Provision for loan losses | 75,000 | 101,000 | 111,000 | 121,000 |
| Pretax income | 160,000 | 388,000 | 665,000 | 907,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 160,000 | 388,000 | 665,000 | 907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,325,000 | 3,424,000 | 3,563,000 | 3,805,000 |
| Total capital | 3,702,000 | 3,853,000 | 4,005,000 | 4,255,000 |
| Risk-weighted assets | 32,687,000 | 34,338,000 | 35,353,000 | 35,987,000 |
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