Call reports 2023
LOWRY STATE BANK — 2023
What LOWRY STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 72,134,000 | 74,240,000 | 75,901,000 | 78,535,000 |
| Total loans | 67,306,000 | 69,630,000 | 70,450,000 | 71,969,000 |
| Allowance for loan losses | 747,000 | 762,000 | 784,000 | 778,000 |
| Securities available for sale | 1,413,000 | 1,407,000 | 1,416,000 | 1,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,508,000 | 59,110,000 | 60,889,000 | 63,215,000 |
| Interest-bearing deposits | 46,042,000 | 47,789,000 | 49,349,000 | 50,683,000 |
| Noninterest-bearing deposits | 12,466,000 | 11,321,000 | 11,540,000 | 12,532,000 |
| Equity capital | 6,094,000 | 6,213,000 | 6,276,000 | 6,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 936,000 | 1,945,000 | 3,045,000 | 4,172,000 |
| Interest expense | 203,000 | 472,000 | 829,000 | 1,241,000 |
| Net interest income | 733,000 | 1,473,000 | 2,216,000 | 2,931,000 |
| Noninterest income | 29,000 | 65,000 | 93,000 | 118,000 |
| Noninterest expense | 458,000 | 921,000 | 1,376,000 | 1,840,000 |
| Provision for loan losses | 0 | 13,000 | 69,000 | 123,000 |
| Pretax income | 311,000 | 611,000 | 871,000 | 1,093,000 |
| Income tax | 39,000 | 41,000 | 71,000 | 71,000 |
| Net income | 272,000 | 570,000 | 800,000 | 1,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,189,000 | 6,313,000 | 6,368,000 | 6,426,000 |
| Total capital | 6,936,000 | 7,075,000 | 7,151,000 | 7,204,000 |
| Risk-weighted assets | 60,517,000 | 62,978,000 | 63,846,000 | 64,900,000 |
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