Call reports 2013
LAUDERDALE COUNTY BANK, THE — 2013
What LAUDERDALE COUNTY BANK, THE 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 | 49,911,000 | 48,050,000 | 48,414,000 | 49,609,000 |
| Total loans | 22,823,000 | 23,764,000 | 23,786,000 | 23,905,000 |
| Allowance for loan losses | 298,000 | 309,000 | 320,000 | 322,000 |
| Securities available for sale | 14,485,000 | 14,074,000 | 14,290,000 | 15,100,000 |
| Securities held to maturity | 96,000 | 87,000 | 81,000 | 76,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,548,000 | 43,122,000 | 42,379,000 | 44,658,000 |
| Interest-bearing deposits | 36,829,000 | 35,417,000 | 34,955,000 | 36,144,000 |
| Noninterest-bearing deposits | 7,719,000 | 7,705,000 | 7,424,000 | 8,514,000 |
| Equity capital | 4,567,000 | 4,326,000 | 4,409,000 | 4,325,000 |
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 | 480,000 | 966,000 | 1,450,000 | 1,937,000 |
| Interest expense | 79,000 | 152,000 | 224,000 | 294,000 |
| Net interest income | 401,000 | 814,000 | 1,226,000 | 1,643,000 |
| Noninterest income | 83,000 | 170,000 | 256,000 | 328,000 |
| Noninterest expense | 400,000 | 808,000 | 1,210,000 | 1,625,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 80,000 | 163,000 | 250,000 | 315,000 |
| Income tax | 0 | 0 | 0 | 71,000 |
| Net income | 80,000 | 163,000 | 250,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,296,000 | 4,359,000 | 4,431,000 | 4,414,000 |
| Total capital | 4,594,000 | 4,668,000 | 4,751,000 | 4,736,000 |
| Risk-weighted assets | 26,116,000 | 26,389,000 | 26,727,000 | 26,959,000 |