Call reports 2012
LOVELADY STATE BANK — 2012
What LOVELADY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 40,241,000 | 39,965,000 | 39,905,000 | 41,252,000 |
| Total loans | 22,140,000 | 22,684,000 | 22,724,000 | 23,121,000 |
| Allowance for loan losses | 354,000 | 349,000 | 347,000 | 335,000 |
| Securities available for sale | 2,925,000 | 2,904,000 | 2,866,000 | 2,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,336,000 | 35,981,000 | 35,892,000 | 37,355,000 |
| Interest-bearing deposits | 26,026,000 | 26,199,000 | 25,993,000 | 27,263,000 |
| Noninterest-bearing deposits | 10,310,000 | 9,782,000 | 9,899,000 | 10,092,000 |
| Equity capital | 3,772,000 | 3,863,000 | 3,883,000 | 3,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 424,000 | 861,000 | 1,308,000 | 1,759,000 |
| Interest expense | 56,000 | 113,000 | 168,000 | 224,000 |
| Net interest income | 368,000 | 748,000 | 1,140,000 | 1,535,000 |
| Noninterest income | 73,000 | 103,000 | 169,000 | 358,000 |
| Noninterest expense | 346,000 | 661,000 | 963,000 | 1,407,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 20,000 |
| Pretax income | 85,000 | 181,000 | 337,000 | 467,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 85,000 | 181,000 | 337,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,718,000 | 3,815,000 | 3,838,000 | 3,815,000 |
| Total capital | 4,013,000 | 4,113,000 | 4,137,000 | 4,118,000 |
| Risk-weighted assets | 23,532,000 | 23,799,000 | 23,853,000 | 24,181,000 |