Call reports 2015
LAUDERDALE COUNTY BANK, THE — 2015
What LAUDERDALE COUNTY BANK, THE 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 | 52,146,000 | 51,387,000 | 51,536,000 | 52,080,000 |
| Total loans | 23,610,000 | 23,852,000 | 23,813,000 | 22,859,000 |
| Allowance for loan losses | 337,000 | 314,000 | 322,000 | 324,000 |
| Securities available for sale | 18,060,000 | 16,840,000 | 16,912,000 | 17,589,000 |
| Securities held to maturity | 54,000 | 50,000 | 47,000 | 44,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,470,000 | 45,794,000 | 45,745,000 | 46,417,000 |
| Interest-bearing deposits | 36,506,000 | 35,711,000 | 35,417,000 | 35,334,000 |
| Noninterest-bearing deposits | 9,964,000 | 10,083,000 | 10,328,000 | 11,083,000 |
| Equity capital | 4,891,000 | 4,853,000 | 4,997,000 | 4,918,000 |
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 | 485,000 | 989,000 | 1,478,000 | 1,965,000 |
| Interest expense | 56,000 | 109,000 | 162,000 | 213,000 |
| Net interest income | 429,000 | 880,000 | 1,316,000 | 1,752,000 |
| Noninterest income | 54,000 | 108,000 | 170,000 | 251,000 |
| Noninterest expense | 396,000 | 798,000 | 1,194,000 | 1,610,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 78,000 | 172,000 | 265,000 | 357,000 |
| Income tax | 8,000 | 14,000 | 20,000 | 96,000 |
| Net income | 70,000 | 158,000 | 245,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,658,000 | 4,726,000 | 4,798,000 | 4,794,000 |
| Total capital | 4,989,000 | 5,040,000 | 5,120,000 | 5,118,000 |
| Risk-weighted assets | 26,436,000 | 26,723,000 | 26,685,000 | 25,985,000 |