Call reports 2013
LOVELADY STATE BANK — 2013
What LOVELADY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 42,708,000 | 41,726,000 | 41,428,000 | 42,868,000 |
| Total loans | 22,783,000 | 22,800,000 | 22,228,000 | 21,978,000 |
| Allowance for loan losses | 368,000 | 395,000 | 431,000 | 434,000 |
| Securities available for sale | 3,785,000 | 3,753,000 | 3,716,000 | 5,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,723,000 | 37,553,000 | 37,269,000 | 38,817,000 |
| Interest-bearing deposits | 28,534,000 | 27,687,000 | 27,616,000 | 29,045,000 |
| Noninterest-bearing deposits | 10,189,000 | 9,866,000 | 9,653,000 | 9,772,000 |
| Equity capital | 3,934,000 | 4,064,000 | 4,100,000 | 4,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 413,000 | 848,000 | 1,279,000 | 1,719,000 |
| Interest expense | 55,000 | 107,000 | 160,000 | 214,000 |
| Net interest income | 358,000 | 741,000 | 1,119,000 | 1,505,000 |
| Noninterest income | 68,000 | 147,000 | 245,000 | 328,000 |
| Noninterest expense | 307,000 | 605,000 | 865,000 | 1,252,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 110,000 |
| Pretax income | 89,000 | 223,000 | 399,000 | 471,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 89,000 | 223,000 | 399,000 | 471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,904,000 | 4,038,000 | 4,082,000 | 3,999,000 |
| Total capital | 4,207,000 | 4,340,000 | 4,379,000 | 4,296,000 |
| Risk-weighted assets | 24,210,000 | 24,057,000 | 23,654,000 | 23,591,000 |