Call reports 2020
LOWRY STATE BANK — 2020
What LOWRY STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 55,556,000 | 58,348,000 | 57,374,000 | 58,927,000 |
| Total loans | 46,196,000 | 46,352,000 | 44,434,000 | 43,995,000 |
| Allowance for loan losses | 565,000 | 566,000 | 572,000 | 682,000 |
| Securities available for sale | 3,000 | 0 | 0 | 0 |
| Securities held to maturity | 34,000 | 31,000 | 31,000 | 27,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,813,000 | 43,984,000 | 42,969,000 | 44,402,000 |
| Interest-bearing deposits | 33,513,000 | 34,957,000 | 33,198,000 | 34,678,000 |
| Noninterest-bearing deposits | 7,300,000 | 9,027,000 | 9,771,000 | 9,724,000 |
| Equity capital | 4,384,000 | 4,671,000 | 4,708,000 | 4,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 705,000 | 1,394,000 | 2,080,000 | 2,775,000 |
| Interest expense | 120,000 | 237,000 | 347,000 | 445,000 |
| Net interest income | 585,000 | 1,157,000 | 1,733,000 | 2,330,000 |
| Noninterest income | 33,000 | 69,000 | 139,000 | 176,000 |
| Noninterest expense | 388,000 | 710,000 | 1,110,000 | 1,534,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 230,000 | 519,000 | 765,000 | 975,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 230,000 | 519,000 | 765,000 | 975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,382,000 | 4,671,000 | 4,708,000 | 4,918,000 |
| Total capital | 4,895,000 | 5,211,000 | 5,219,000 | 5,419,000 |
| Risk-weighted assets | 43,118,000 | 43,224,000 | 40,826,000 | 39,979,000 |