Call reports 2019
STATE BANK OF LISMORE — 2019
What STATE BANK OF LISMORE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 61,163,000 | 61,629,000 | 61,615,000 | 63,629,000 |
| Total loans | 53,188,000 | 53,800,000 | 53,934,000 | 53,845,000 |
| Allowance for loan losses | 412,000 | 436,000 | 442,000 | 746,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 92,000 | 92,000 | 92,000 | 91,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,567,000 | 45,537,000 | 45,634,000 | 48,417,000 |
| Interest-bearing deposits | 36,727,000 | 37,507,000 | 36,853,000 | 36,874,000 |
| Noninterest-bearing deposits | 8,840,000 | 8,030,000 | 8,781,000 | 11,543,000 |
| Equity capital | 6,219,000 | 6,358,000 | 6,365,000 | 5,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 769,000 | 1,577,000 | 2,380,000 | 3,233,000 |
| Interest expense | 173,000 | 365,000 | 569,000 | 768,000 |
| Net interest income | 596,000 | 1,212,000 | 1,811,000 | 2,465,000 |
| Noninterest income | 50,000 | 100,000 | 153,000 | 231,000 |
| Noninterest expense | 403,000 | 824,000 | 1,255,000 | 1,686,000 |
| Provision for loan losses | 15,000 | 30,000 | 100,000 | 740,000 |
| Pretax income | 228,000 | 458,000 | 609,000 | 270,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 227,000 | 457,000 | 608,000 | 269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,219,000 | 6,358,000 | 6,365,000 | 5,960,000 |
| Total capital | 6,631,000 | 6,794,000 | 6,807,000 | 6,675,000 |
| Risk-weighted assets | 55,843,000 | 56,534,000 | 56,856,000 | 57,170,000 |