Call reports 2020
STATE BANK OF LISMORE — 2020
What STATE BANK OF LISMORE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 61,082,000 | 63,234,000 | 63,529,000 | 66,407,000 |
| Total loans | 53,030,000 | 53,034,000 | 50,272,000 | 52,352,000 |
| Allowance for loan losses | 786,000 | 853,000 | 866,000 | 866,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 91,000 | 91,000 | 90,000 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,861,000 | 48,709,000 | 49,016,000 | 52,145,000 |
| Interest-bearing deposits | 37,668,000 | 38,862,000 | 39,098,000 | 38,032,000 |
| Noninterest-bearing deposits | 9,193,000 | 9,847,000 | 9,918,000 | 14,113,000 |
| Equity capital | 6,131,000 | 6,373,000 | 6,294,000 | 6,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 800,000 | 1,598,000 | 2,294,000 | 2,937,000 |
| Interest expense | 196,000 | 377,000 | 548,000 | 709,000 |
| Net interest income | 604,000 | 1,221,000 | 1,746,000 | 2,228,000 |
| Noninterest income | 47,000 | 93,000 | 151,000 | 193,000 |
| Noninterest expense | 394,000 | 790,000 | 1,210,000 | 1,667,000 |
| Provision for loan losses | 75,000 | 105,000 | 125,000 | 125,000 |
| Pretax income | 172,000 | 413,000 | 556,000 | 626,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 171,000 | 412,000 | 555,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,131,000 | 6,373,000 | 6,294,000 | 6,321,000 |
| Total capital | 6,831,000 | 7,061,000 | 6,955,000 | 7,018,000 |
| Risk-weighted assets | 55,915,000 | 54,875,000 | 52,643,000 | 55,564,000 |