Call reports 2019
LAUDERDALE COUNTY BANK, THE — 2019
What LAUDERDALE COUNTY BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 48,829,000 | 48,412,000 | 50,271,000 | 51,662,000 |
| Total loans | 24,734,000 | 24,416,000 | 24,777,000 | 25,519,000 |
| Allowance for loan losses | 243,000 | 231,000 | 241,000 | 246,000 |
| Securities available for sale | 13,126,000 | 12,611,000 | 13,997,000 | 14,537,000 |
| Securities held to maturity | 11,000 | 10,000 | 9,000 | 9,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,694,000 | 42,083,000 | 43,793,000 | 45,159,000 |
| Interest-bearing deposits | 32,471,000 | 32,217,000 | 32,121,000 | 32,988,000 |
| Noninterest-bearing deposits | 10,223,000 | 9,866,000 | 11,672,000 | 12,171,000 |
| Equity capital | 5,470,000 | 5,598,000 | 5,700,000 | 5,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 513,000 | 1,028,000 | 1,548,000 | 2,076,000 |
| Interest expense | 61,000 | 132,000 | 208,000 | 287,000 |
| Net interest income | 452,000 | 896,000 | 1,340,000 | 1,789,000 |
| Noninterest income | 94,000 | 142,000 | 191,000 | 252,000 |
| Noninterest expense | 431,000 | 839,000 | 1,248,000 | 1,661,000 |
| Provision for loan losses | 36,000 | 42,000 | 48,000 | 54,000 |
| Pretax income | 79,000 | 157,000 | 235,000 | 326,000 |
| Income tax | 5,000 | 41,000 | 62,000 | 65,000 |
| Net income | 74,000 | 116,000 | 173,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,525,000 | 5,546,000 | 5,587,000 | 5,660,000 |
| Total capital | 5,768,000 | 5,777,000 | 5,828,000 | 5,906,000 |
| Risk-weighted assets | 26,952,000 | 26,745,000 | 27,252,000 | 27,936,000 |