Call reports 2007
LOVELADY STATE BANK — 2007
What LOVELADY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 32,955,000 | 32,909,000 | 31,659,000 | 32,591,000 |
| Total loans | 18,423,000 | 18,564,000 | 18,184,000 | 17,947,000 |
| Allowance for loan losses | 371,000 | 376,000 | 345,000 | 250,000 |
| Securities available for sale | 2,671,000 | 2,642,000 | 3,047,000 | 3,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,446,000 | 29,346,000 | 28,066,000 | 29,087,000 |
| Interest-bearing deposits | 22,763,000 | 22,770,000 | 21,745,000 | 22,109,000 |
| Noninterest-bearing deposits | 6,683,000 | 6,576,000 | 6,321,000 | 6,978,000 |
| Equity capital | 3,353,000 | 3,356,000 | 3,386,000 | 3,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 554,000 | 1,126,000 | 1,699,000 | 2,255,000 |
| Interest expense | 210,000 | 427,000 | 637,000 | 865,000 |
| Net interest income | 344,000 | 699,000 | 1,062,000 | 1,390,000 |
| Noninterest income | 63,000 | 146,000 | 231,000 | 294,000 |
| Noninterest expense | 274,000 | 596,000 | 880,000 | 1,217,000 |
| Provision for loan losses | 20,000 | 30,000 | 45,000 | 70,000 |
| Pretax income | 113,000 | 219,000 | 368,000 | 397,000 |
| Income tax | 34,000 | 70,000 | 122,000 | 145,000 |
| Net income | 79,000 | 149,000 | 246,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,355,000 | 3,365,000 | 3,375,000 | 3,293,000 |
| Total capital | 3,613,000 | 3,626,000 | 3,628,000 | 3,543,000 |
| Risk-weighted assets | 20,508,000 | 20,715,000 | 20,141,000 | 20,193,000 |
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