Call reports 2012
LAUDERDALE COUNTY BANK, THE — 2012
What LAUDERDALE COUNTY BANK, THE 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 | 45,457,000 | 45,767,000 | 46,964,000 | 50,211,000 |
| Total loans | 21,959,000 | 22,917,000 | 23,359,000 | 23,479,000 |
| Allowance for loan losses | 268,000 | 277,000 | 280,000 | 284,000 |
| Securities available for sale | 12,349,000 | 12,607,000 | 12,286,000 | 12,707,000 |
| Securities held to maturity | 330,000 | 121,000 | 112,000 | 104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,507,000 | 40,671,000 | 41,759,000 | 45,019,000 |
| Interest-bearing deposits | 33,362,000 | 33,928,000 | 34,502,000 | 36,575,000 |
| Noninterest-bearing deposits | 7,145,000 | 6,743,000 | 7,257,000 | 8,444,000 |
| Equity capital | 4,374,000 | 4,498,000 | 4,584,000 | 4,545,000 |
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 | 508,000 | 999,000 | 1,492,000 | 1,988,000 |
| Interest expense | 85,000 | 168,000 | 252,000 | 334,000 |
| Net interest income | 423,000 | 831,000 | 1,240,000 | 1,654,000 |
| Noninterest income | 60,000 | 142,000 | 226,000 | 311,000 |
| Noninterest expense | 394,000 | 775,000 | 1,161,000 | 1,591,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 80,000 | 180,000 | 278,000 | 338,000 |
| Income tax | 2,000 | 7,000 | 11,000 | 77,000 |
| Net income | 78,000 | 173,000 | 267,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,080,000 | 4,175,000 | 4,240,000 | 4,236,000 |
| Total capital | 4,348,000 | 4,452,000 | 4,520,000 | 4,520,000 |
| Risk-weighted assets | 24,496,000 | 25,418,000 | 25,948,000 | 26,630,000 |