Call reports 2022
LOWRY STATE BANK — 2022
What LOWRY STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 65,336,000 | 65,910,000 | 70,092,000 | 72,812,000 |
| Total loans | 58,988,000 | 61,298,000 | 65,291,000 | 68,442,000 |
| Allowance for loan losses | 674,000 | 685,000 | 743,000 | 745,000 |
| Securities available for sale | 1,431,000 | 1,412,000 | 1,382,000 | 1,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,134,000 | 52,787,000 | 57,170,000 | 57,415,000 |
| Interest-bearing deposits | 40,258,000 | 40,417,000 | 45,100,000 | 45,017,000 |
| Noninterest-bearing deposits | 11,876,000 | 12,370,000 | 12,070,000 | 12,398,000 |
| Equity capital | 5,110,000 | 5,505,000 | 5,714,000 | 5,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 719,000 | 1,487,000 | 2,347,000 | 3,254,000 |
| Interest expense | 77,000 | 152,000 | 256,000 | 402,000 |
| Net interest income | 642,000 | 1,335,000 | 2,091,000 | 2,852,000 |
| Noninterest income | 29,000 | 227,000 | 253,000 | 285,000 |
| Noninterest expense | 380,000 | 760,000 | 1,155,000 | 1,659,000 |
| Provision for loan losses | 0 | 20,000 | 50,000 | 58,000 |
| Pretax income | 294,000 | 785,000 | 1,142,000 | 1,423,000 |
| Income tax | 23,000 | 46,000 | 69,000 | 152,000 |
| Net income | 271,000 | 739,000 | 1,073,000 | 1,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,188,000 | 5,602,000 | 5,840,000 | 5,988,000 |
| Total capital | 5,862,000 | 6,287,000 | 6,577,000 | 6,733,000 |
| Risk-weighted assets | 53,972,000 | 55,632,000 | 58,979,000 | 62,491,000 |