Call reports 2005
LISCO STATE BANK — 2005
What LISCO STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 15,939,000 | 14,712,000 | 14,151,000 | 15,733,000 |
| Total loans | 11,373,000 | 11,061,000 | 10,775,000 | 10,952,000 |
| Allowance for loan losses | 226,000 | 227,000 | 257,000 | 241,000 |
| Securities available for sale | 3,127,000 | 2,565,000 | 2,534,000 | 3,085,000 |
| Securities held to maturity | 55,000 | 45,000 | 45,000 | 45,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,220,000 | 11,550,000 | 10,514,000 | 13,047,000 |
| Interest-bearing deposits | 11,497,000 | 10,000,000 | 9,315,000 | 11,558,000 |
| Noninterest-bearing deposits | 1,723,000 | 1,550,000 | 1,199,000 | 1,489,000 |
| Equity capital | 1,452,000 | 1,482,000 | 1,501,000 | 1,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 218,000 | 440,000 | 670,000 | 895,000 |
| Interest expense | 55,000 | 124,000 | 193,000 | 274,000 |
| Net interest income | 163,000 | 316,000 | 477,000 | 621,000 |
| Noninterest income | 17,000 | 31,000 | 46,000 | 61,000 |
| Noninterest expense | 91,000 | 184,000 | 278,000 | 372,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 89,000 | 167,000 | 249,000 | 314,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 89,000 | 167,000 | 249,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,462,000 | 1,487,000 | 1,519,000 | 1,484,000 |
| Total capital | 1,624,000 | 1,637,000 | 1,668,000 | 1,636,000 |
| Risk-weighted assets | 12,864,000 | 11,935,000 | 11,738,000 | 12,105,000 |