Call reports 2008
LOVELADY STATE BANK — 2008
What LOVELADY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 33,738,000 | 32,078,000 | 33,103,000 | 30,720,000 |
| Total loans | 17,732,000 | 18,323,000 | 19,614,000 | 19,848,000 |
| Allowance for loan losses | 272,000 | 270,000 | 283,000 | 255,000 |
| Securities available for sale | 2,652,000 | 2,524,000 | 2,525,000 | 3,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,128,000 | 28,484,000 | 29,479,000 | 27,219,000 |
| Interest-bearing deposits | 22,543,000 | 21,234,000 | 21,091,000 | 20,147,000 |
| Noninterest-bearing deposits | 7,585,000 | 7,250,000 | 8,388,000 | 7,072,000 |
| Equity capital | 3,371,000 | 3,433,000 | 3,523,000 | 3,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 485,000 | 978,000 | 1,462,000 | 1,927,000 |
| Interest expense | 210,000 | 380,000 | 516,000 | 629,000 |
| Net interest income | 275,000 | 598,000 | 946,000 | 1,298,000 |
| Noninterest income | 62,000 | 132,000 | 199,000 | 276,000 |
| Noninterest expense | 295,000 | 584,000 | 876,000 | 1,238,000 |
| Provision for loan losses | 10,000 | 10,000 | 25,000 | 95,000 |
| Pretax income | 32,000 | 136,000 | 244,000 | 241,000 |
| Income tax | 5,000 | 5,000 | -40,000 | -40,000 |
| Net income | 27,000 | 131,000 | 284,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,320,000 | 3,425,000 | 3,489,000 | 3,332,000 |
| Total capital | 3,574,000 | 3,688,000 | 3,766,000 | 3,587,000 |
| Risk-weighted assets | 20,326,000 | 21,066,000 | 22,123,000 | 21,960,000 |
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