Call reports 2019
LOWRY STATE BANK — 2019
What LOWRY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 51,708,000 | 53,879,000 | 54,757,000 | 52,223,000 |
| Total loans | 45,854,000 | 47,347,000 | 49,006,000 | 47,457,000 |
| Allowance for loan losses | 453,000 | 492,000 | 493,000 | 496,000 |
| Securities available for sale | 3,000 | 3,000 | 3,000 | 3,000 |
| Securities held to maturity | 41,000 | 37,000 | 38,000 | 34,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,357,000 | 42,510,000 | 43,473,000 | 40,878,000 |
| Interest-bearing deposits | 33,129,000 | 35,144,000 | 35,931,000 | 33,135,000 |
| Noninterest-bearing deposits | 7,228,000 | 7,366,000 | 7,542,000 | 7,743,000 |
| Equity capital | 5,697,000 | 4,376,000 | 4,567,000 | 4,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 687,000 | 1,420,000 | 2,186,000 | 2,949,000 |
| Interest expense | 101,000 | 219,000 | 359,000 | 491,000 |
| Net interest income | 586,000 | 1,201,000 | 1,827,000 | 2,458,000 |
| Noninterest income | 34,000 | 77,000 | 134,000 | 171,000 |
| Noninterest expense | 330,000 | 658,000 | 1,033,000 | 1,394,000 |
| Provision for loan losses | 0 | 95,000 | 95,000 | 95,000 |
| Pretax income | 290,000 | 525,000 | 833,000 | 1,140,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 290,000 | 525,000 | 833,000 | 1,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,697,000 | 4,376,000 | 4,567,000 | 4,674,000 |
| Total capital | 6,150,000 | 4,868,000 | 5,060,000 | 5,170,000 |
| Risk-weighted assets | 43,488,000 | 45,549,000 | 45,483,000 | 44,144,000 |