Call reports 2016
LAUDERDALE COUNTY BANK, THE — 2016
What LAUDERDALE COUNTY BANK, THE 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 | 53,386,000 | 52,627,000 | 50,460,000 | 49,201,000 |
| Total loans | 23,124,000 | 23,476,000 | 23,750,000 | 23,079,000 |
| Allowance for loan losses | 334,000 | 331,000 | 326,000 | 295,000 |
| Securities available for sale | 17,417,000 | 17,132,000 | 16,494,000 | 15,902,000 |
| Securities held to maturity | 40,000 | 37,000 | 33,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,578,000 | 46,654,000 | 44,436,000 | 43,651,000 |
| Interest-bearing deposits | 35,794,000 | 35,747,000 | 34,696,000 | 34,890,000 |
| Noninterest-bearing deposits | 11,784,000 | 10,907,000 | 9,740,000 | 8,761,000 |
| Equity capital | 5,055,000 | 5,175,000 | 5,235,000 | 4,928,000 |
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 | 489,000 | 961,000 | 1,436,000 | 1,908,000 |
| Interest expense | 52,000 | 103,000 | 153,000 | 203,000 |
| Net interest income | 437,000 | 858,000 | 1,283,000 | 1,705,000 |
| Noninterest income | 45,000 | 124,000 | 217,000 | 330,000 |
| Noninterest expense | 383,000 | 792,000 | 1,205,000 | 1,653,000 |
| Provision for loan losses | 9,000 | 9,000 | 9,000 | 9,000 |
| Pretax income | 90,000 | 181,000 | 286,000 | 373,000 |
| Income tax | 6,000 | 48,000 | 75,000 | 108,000 |
| Net income | 84,000 | 133,000 | 211,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,857,000 | 4,891,000 | 4,969,000 | 5,024,000 |
| Total capital | 5,184,000 | 5,222,000 | 5,295,000 | 5,319,000 |
| Risk-weighted assets | 26,144,000 | 26,489,000 | 26,505,000 | 25,533,000 |