Call reports 2004
LOVELADY STATE BANK — 2004
What LOVELADY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 27,128,000 | 26,873,000 | 28,009,000 | 28,027,000 |
| Total loans | 17,675,000 | 17,807,000 | 17,610,000 | 17,828,000 |
| Allowance for loan losses | 243,000 | 259,000 | 298,000 | 313,000 |
| Securities available for sale | 2,932,000 | 2,634,000 | 2,878,000 | 3,348,000 |
| Securities held to maturity | 919,000 | 919,000 | 609,000 | 510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,956,000 | 23,666,000 | 24,792,000 | 24,909,000 |
| Interest-bearing deposits | 19,306,000 | 18,649,000 | 17,957,000 | 19,254,000 |
| Noninterest-bearing deposits | 4,650,000 | 5,017,000 | 6,835,000 | 5,655,000 |
| Equity capital | 3,061,000 | 3,121,000 | 3,107,000 | 3,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 398,000 | 798,000 | 1,202,000 | 1,620,000 |
| Interest expense | 74,000 | 147,000 | 227,000 | 303,000 |
| Net interest income | 324,000 | 651,000 | 975,000 | 1,317,000 |
| Noninterest income | 89,000 | 156,000 | 245,000 | 308,000 |
| Noninterest expense | 274,000 | 525,000 | 806,000 | 1,131,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 120,000 |
| Pretax income | 109,000 | 222,000 | 314,000 | 374,000 |
| Income tax | 45,000 | 75,000 | 105,000 | 115,000 |
| Net income | 64,000 | 147,000 | 209,000 | 259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,061,000 | 3,121,000 | 3,107,000 | 3,058,000 |
| Total capital | 3,304,000 | 3,380,000 | 3,383,000 | 3,297,000 |
| Risk-weighted assets | 21,055,000 | 20,112,000 | 21,340,000 | 19,048,000 |
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