Call reports 2016
LOWRY STATE BANK — 2016
What LOWRY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 44,850,000 | 43,386,000 | 46,335,000 | 46,333,000 |
| Total loans | 39,713,000 | 40,197,000 | 40,306,000 | 40,298,000 |
| Allowance for loan losses | 493,000 | 529,000 | 526,000 | 501,000 |
| Securities available for sale | 214,000 | 214,000 | 214,000 | 213,000 |
| Securities held to maturity | 150,000 | 147,000 | 147,000 | 144,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,648,000 | 34,465,000 | 35,750,000 | 35,702,000 |
| Interest-bearing deposits | 30,414,000 | 28,818,000 | 29,950,000 | 29,639,000 |
| Noninterest-bearing deposits | 6,234,000 | 5,647,000 | 5,800,000 | 6,063,000 |
| Equity capital | 4,752,000 | 4,847,000 | 4,484,000 | 4,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 553,000 | 1,127,000 | 1,715,000 | 2,310,000 |
| Interest expense | 54,000 | 104,000 | 163,000 | 224,000 |
| Net interest income | 499,000 | 1,023,000 | 1,552,000 | 2,086,000 |
| Noninterest income | 34,000 | 72,000 | 106,000 | 136,000 |
| Noninterest expense | 309,000 | 630,000 | 964,000 | 1,265,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 40,000 |
| Pretax income | 224,000 | 425,000 | 654,000 | 917,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 224,000 | 425,000 | 654,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,751,000 | 4,846,000 | 4,483,000 | 4,611,000 |
| Total capital | 5,227,000 | 5,329,000 | 4,966,000 | 5,090,000 |
| Risk-weighted assets | 38,071,000 | 38,633,000 | 38,636,000 | 38,332,000 |