Call reports 2015
LENA STATE BANK — 2015
What LENA STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 88,028,000 | 91,698,000 | 88,292,000 | 91,433,000 |
| Total loans | 50,396,000 | 55,707,000 | 53,055,000 | 58,489,000 |
| Allowance for loan losses | 1,474,000 | 1,491,000 | 1,552,000 | 1,634,000 |
| Securities available for sale | 32,556,000 | 31,959,000 | 30,896,000 | 28,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,531,000 | 75,332,000 | 76,372,000 | 80,458,000 |
| Interest-bearing deposits | 70,680,000 | 70,605,000 | 72,709,000 | 74,954,000 |
| Noninterest-bearing deposits | 3,851,000 | 4,727,000 | 3,663,000 | 5,504,000 |
| Equity capital | 9,535,000 | 9,523,000 | 8,896,000 | 9,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 800,000 | 1,614,000 | 2,429,000 | 3,259,000 |
| Interest expense | 119,000 | 238,000 | 361,000 | 481,000 |
| Net interest income | 681,000 | 1,376,000 | 2,068,000 | 2,778,000 |
| Noninterest income | 75,000 | 140,000 | 206,000 | 361,000 |
| Noninterest expense | 379,000 | 769,000 | 1,167,000 | 1,548,000 |
| Provision for loan losses | 16,000 | 51,000 | 112,000 | 194,000 |
| Pretax income | 361,000 | 696,000 | 1,037,000 | 1,453,000 |
| Income tax | 95,000 | 179,000 | 265,000 | 381,000 |
| Net income | 266,000 | 517,000 | 772,000 | 1,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,014,000 | 9,153,000 | 8,542,000 | 8,728,000 |
| Total capital | 9,815,000 | 9,986,000 | 9,342,000 | 9,663,000 |
| Risk-weighted assets | 63,456,000 | 66,015,000 | 63,268,000 | 74,091,000 |