Call reports 2014
LAUDERDALE COUNTY BANK, THE — 2014
What LAUDERDALE COUNTY BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 51,072,000 | 50,770,000 | 49,618,000 | 51,751,000 |
| Total loans | 24,063,000 | 24,971,000 | 23,741,000 | 23,349,000 |
| Allowance for loan losses | 296,000 | 312,000 | 322,000 | 335,000 |
| Securities available for sale | 16,652,000 | 16,716,000 | 17,881,000 | 17,942,000 |
| Securities held to maturity | 71,000 | 67,000 | 62,000 | 58,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,981,000 | 45,454,000 | 44,217,000 | 46,250,000 |
| Interest-bearing deposits | 37,504,000 | 37,200,000 | 35,838,000 | 36,746,000 |
| Noninterest-bearing deposits | 8,477,000 | 8,254,000 | 8,379,000 | 9,504,000 |
| Equity capital | 4,457,000 | 4,631,000 | 4,694,000 | 4,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 490,000 | 989,000 | 1,498,000 | 1,987,000 |
| Interest expense | 67,000 | 132,000 | 192,000 | 251,000 |
| Net interest income | 423,000 | 857,000 | 1,306,000 | 1,736,000 |
| Noninterest income | 63,000 | 128,000 | 215,000 | 286,000 |
| Noninterest expense | 402,000 | 809,000 | 1,232,000 | 1,641,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 75,000 | 158,000 | 271,000 | 354,000 |
| Income tax | 0 | 8,000 | 17,000 | 90,000 |
| Net income | 75,000 | 150,000 | 254,000 | 264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,474,000 | 4,528,000 | 4,618,000 | 4,613,000 |
| Total capital | 4,770,000 | 4,840,000 | 4,940,000 | 4,948,000 |
| Risk-weighted assets | 27,365,000 | 27,863,000 | 26,756,000 | 27,070,000 |