Call reports 2016
LOVELADY STATE BANK — 2016
What LOVELADY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 49,515,000 | 47,028,000 | 46,257,000 | 46,731,000 |
| Total loans | 21,961,000 | 21,951,000 | 22,611,000 | 22,870,000 |
| Allowance for loan losses | 354,000 | 350,000 | 338,000 | 328,000 |
| Securities available for sale | 9,080,000 | 8,548,000 | 10,528,000 | 12,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,221,000 | 42,619,000 | 41,845,000 | 42,497,000 |
| Interest-bearing deposits | 32,322,000 | 30,790,000 | 29,114,000 | 29,941,000 |
| Noninterest-bearing deposits | 12,899,000 | 11,829,000 | 12,731,000 | 12,556,000 |
| Equity capital | 4,244,000 | 4,379,000 | 4,378,000 | 4,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 433,000 | 872,000 | 1,327,000 | 1,773,000 |
| Interest expense | 45,000 | 90,000 | 131,000 | 171,000 |
| Net interest income | 388,000 | 782,000 | 1,196,000 | 1,602,000 |
| Noninterest income | 76,000 | 153,000 | 226,000 | 303,000 |
| Noninterest expense | 329,000 | 684,000 | 1,014,000 | 1,439,000 |
| Provision for loan losses | 0 | 5,000 | 25,000 | 15,000 |
| Pretax income | 135,000 | 246,000 | 383,000 | 451,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 135,000 | 246,000 | 383,000 | 451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,219,000 | 4,330,000 | 4,336,000 | 4,271,000 |
| Total capital | 4,552,000 | 4,657,000 | 4,665,000 | 4,599,000 |
| Risk-weighted assets | 26,654,000 | 26,183,000 | 26,349,000 | 26,955,000 |