Call reports 2015
LOWRY STATE BANK — 2015
What LOWRY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 40,388,000 | 42,104,000 | 46,871,000 | 44,056,000 |
| Total loans | 36,070,000 | 38,769,000 | 41,460,000 | 40,404,000 |
| Allowance for loan losses | 493,000 | 493,000 | 491,000 | 492,000 |
| Securities available for sale | 279,000 | 278,000 | 281,000 | 281,000 |
| Securities held to maturity | 156,000 | 153,000 | 153,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,884,000 | 33,734,000 | 38,973,000 | 35,452,000 |
| Interest-bearing deposits | 28,968,000 | 27,997,000 | 30,897,000 | 29,437,000 |
| Noninterest-bearing deposits | 5,916,000 | 5,737,000 | 8,076,000 | 6,015,000 |
| Equity capital | 4,243,000 | 4,249,000 | 4,395,000 | 4,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 529,000 | 1,064,000 | 1,631,000 | 2,215,000 |
| Interest expense | 50,000 | 105,000 | 159,000 | 214,000 |
| Net interest income | 479,000 | 959,000 | 1,472,000 | 2,001,000 |
| Noninterest income | 33,000 | 71,000 | 128,000 | 168,000 |
| Noninterest expense | 310,000 | 631,000 | 924,000 | 1,239,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 202,000 | 399,000 | 676,000 | 930,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 202,000 | 399,000 | 676,000 | 930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,242,000 | 4,249,000 | 4,392,000 | 4,527,000 |
| Total capital | 4,694,000 | 4,711,000 | 4,883,000 | 5,014,000 |
| Risk-weighted assets | 36,119,000 | 36,900,000 | 40,239,000 | 39,006,000 |