Call reports 2015
LOVELADY STATE BANK — 2015
What LOVELADY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 49,722,000 | 49,733,000 | 50,085,000 | 50,354,000 |
| Total loans | 20,688,000 | 21,679,000 | 21,719,000 | 21,978,000 |
| Allowance for loan losses | 344,000 | 348,000 | 290,000 | 294,000 |
| Securities available for sale | 10,260,000 | 9,831,000 | 7,278,000 | 10,507,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,550,000 | 45,454,000 | 45,831,000 | 46,252,000 |
| Interest-bearing deposits | 33,054,000 | 32,200,000 | 31,607,000 | 32,525,000 |
| Noninterest-bearing deposits | 12,496,000 | 13,254,000 | 14,224,000 | 13,727,000 |
| Equity capital | 4,138,000 | 4,236,000 | 4,196,000 | 4,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 411,000 | 837,000 | 1,237,000 | 1,691,000 |
| Interest expense | 56,000 | 112,000 | 165,000 | 215,000 |
| Net interest income | 355,000 | 725,000 | 1,072,000 | 1,476,000 |
| Noninterest income | 69,000 | 149,000 | 220,000 | 299,000 |
| Noninterest expense | 351,000 | 709,000 | 1,044,000 | 1,469,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 15,000 |
| Pretax income | 73,000 | 160,000 | 243,000 | 291,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 73,000 | 160,000 | 243,000 | 291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,131,000 | 4,217,000 | 4,169,000 | 4,084,000 |
| Total capital | 4,445,000 | 4,544,000 | 4,459,000 | 4,378,000 |
| Risk-weighted assets | 25,175,000 | 26,207,000 | 26,600,000 | 26,877,000 |