Call reports 2006
LOVELADY STATE BANK — 2006
What LOVELADY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 30,191,000 | 31,394,000 | 34,249,000 | 33,910,000 |
| Total loans | 17,523,000 | 17,903,000 | 18,413,000 | 18,444,000 |
| Allowance for loan losses | 339,000 | 346,000 | 364,000 | 360,000 |
| Securities available for sale | 4,184,000 | 4,175,000 | 3,697,000 | 2,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,883,000 | 28,016,000 | 30,815,000 | 30,534,000 |
| Interest-bearing deposits | 19,888,000 | 21,305,000 | 22,044,000 | 22,909,000 |
| Noninterest-bearing deposits | 6,995,000 | 6,711,000 | 8,771,000 | 7,625,000 |
| Equity capital | 3,197,000 | 3,271,000 | 3,294,000 | 3,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 457,000 | 961,000 | 1,495,000 | 2,051,000 |
| Interest expense | 127,000 | 287,000 | 480,000 | 683,000 |
| Net interest income | 330,000 | 674,000 | 1,015,000 | 1,368,000 |
| Noninterest income | 72,000 | 144,000 | 224,000 | 296,000 |
| Noninterest expense | 292,000 | 559,000 | 811,000 | 1,133,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 80,000 | 199,000 | 338,000 | 411,000 |
| Income tax | 32,000 | 70,000 | 115,000 | 136,000 |
| Net income | 48,000 | 129,000 | 223,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,169,000 | 3,306,000 | 3,312,000 | 3,276,000 |
| Total capital | 3,409,000 | 3,554,000 | 3,516,000 | 3,536,000 |
| Risk-weighted assets | 19,137,000 | 19,717,000 | 20,742,000 | 20,689,000 |
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