Call reports 2021
LOWRY STATE BANK — 2021
What LOWRY STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 64,863,000 | 62,963,000 | 63,044,000 | 63,808,000 |
| Total loans | 44,022,000 | 49,266,000 | 53,031,000 | 57,421,000 |
| Allowance for loan losses | 674,000 | 676,000 | 675,000 | 676,000 |
| Securities available for sale | 0 | 0 | 1,013,000 | 1,494,000 |
| Securities held to maturity | 27,000 | 24,000 | 24,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,285,000 | 48,809,000 | 49,234,000 | 50,092,000 |
| Interest-bearing deposits | 36,594,000 | 38,135,000 | 38,284,000 | 38,066,000 |
| Noninterest-bearing deposits | 13,691,000 | 10,674,000 | 10,950,000 | 12,026,000 |
| Equity capital | 4,989,000 | 5,015,000 | 5,143,000 | 5,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 621,000 | 1,263,000 | 1,961,000 | 2,667,000 |
| Interest expense | 92,000 | 178,000 | 263,000 | 343,000 |
| Net interest income | 529,000 | 1,085,000 | 1,698,000 | 2,324,000 |
| Noninterest income | 40,000 | 97,000 | 146,000 | 195,000 |
| Noninterest expense | 398,000 | 779,000 | 1,182,000 | 1,583,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 174,000 | 406,000 | 665,000 | 939,000 |
| Income tax | 0 | 0 | 0 | 90,000 |
| Net income | 174,000 | 406,000 | 665,000 | 849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,989,000 | 5,015,000 | 5,143,000 | 5,017,000 |
| Total capital | 5,486,000 | 5,574,000 | 5,746,000 | 5,666,000 |
| Risk-weighted assets | 39,607,000 | 44,624,000 | 48,155,000 | 51,906,000 |