Call reports 2024
LOWRY STATE BANK — 2024
What LOWRY STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 79,712,000 | 82,000,000 | 83,289,000 | 82,787,000 |
| Total loans | 73,189,000 | 77,376,000 | 76,732,000 | 77,316,000 |
| Allowance for loan losses | 823,000 | 861,000 | 891,000 | 964,000 |
| Securities available for sale | 1,452,000 | 962,000 | 481,000 | 477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,479,000 | 64,564,000 | 67,856,000 | 67,231,000 |
| Interest-bearing deposits | 51,443,000 | 52,827,000 | 54,559,000 | 55,858,000 |
| Noninterest-bearing deposits | 14,036,000 | 11,737,000 | 13,297,000 | 11,373,000 |
| Equity capital | 6,481,000 | 6,685,000 | 7,058,000 | 7,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,195,000 | 2,468,000 | 3,832,000 | 5,203,000 |
| Interest expense | 465,000 | 957,000 | 1,517,000 | 2,043,000 |
| Net interest income | 730,000 | 1,511,000 | 2,315,000 | 3,160,000 |
| Noninterest income | -5,000 | 24,000 | 117,000 | 148,000 |
| Noninterest expense | 487,000 | 990,000 | 1,486,000 | 2,073,000 |
| Provision for loan losses | 43,000 | 80,000 | 127,000 | 216,000 |
| Pretax income | 198,000 | 467,000 | 820,000 | 1,020,000 |
| Income tax | 0 | 0 | 0 | 50,000 |
| Net income | 198,000 | 467,000 | 820,000 | 970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,536,000 | 6,731,000 | 7,084,000 | 7,233,000 |
| Total capital | 7,342,000 | 7,584,000 | 7,935,000 | 8,085,000 |
| Risk-weighted assets | 64,489,000 | 68,256,000 | 68,020,000 | 68,020,000 |