Call reports 2004
LISCO STATE BANK — 2004
What LISCO STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 15,379,000 | 16,009,000 | 15,491,000 | 15,392,000 |
| Total loans | 10,914,000 | 12,262,000 | 11,522,000 | 12,494,000 |
| Allowance for loan losses | 233,000 | 226,000 | 209,000 | 226,000 |
| Securities available for sale | 1,824,000 | 2,050,000 | 1,836,000 | 1,797,000 |
| Securities held to maturity | 215,000 | 55,000 | 55,000 | 55,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,539,000 | 13,237,000 | 12,694,000 | 12,652,000 |
| Interest-bearing deposits | 10,756,000 | 12,057,000 | 11,599,000 | 11,370,000 |
| Noninterest-bearing deposits | 1,783,000 | 1,180,000 | 1,095,000 | 1,282,000 |
| Equity capital | 1,523,000 | 1,445,000 | 1,492,000 | 1,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 203,000 | 411,000 | 635,000 | 862,000 |
| Interest expense | 53,000 | 108,000 | 165,000 | 222,000 |
| Net interest income | 150,000 | 303,000 | 470,000 | 640,000 |
| Noninterest income | 9,000 | 22,000 | 36,000 | 50,000 |
| Noninterest expense | 94,000 | 191,000 | 281,000 | 386,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 65,000 | 134,000 | 225,000 | 289,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 65,000 | 134,000 | 225,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,437,000 | 1,406,000 | 1,447,000 | 1,436,000 |
| Total capital | 1,592,000 | 1,577,000 | 1,610,000 | 1,607,000 |
| Risk-weighted assets | 12,342,000 | 13,600,000 | 12,982,000 | 13,598,000 |