Call reports 2008
LISCO STATE BANK — 2008
What LISCO STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 16,915,000 | 16,172,000 | 17,276,000 | 16,020,000 |
| Total loans | 7,957,000 | 9,042,000 | 9,143,000 | 9,771,000 |
| Allowance for loan losses | 222,000 | 222,000 | 218,000 | 206,000 |
| Securities available for sale | 5,218,000 | 4,642,000 | 3,870,000 | 4,003,000 |
| Securities held to maturity | 208,000 | 193,000 | 193,000 | 193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,820,000 | 13,259,000 | 14,411,000 | 11,375,000 |
| Interest-bearing deposits | 10,337,000 | 11,207,000 | 12,437,000 | 10,063,000 |
| Noninterest-bearing deposits | 3,483,000 | 2,051,000 | 1,974,000 | 1,312,000 |
| Equity capital | 1,837,000 | 1,763,000 | 1,791,000 | 1,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 265,000 | 490,000 | 716,000 | 932,000 |
| Interest expense | 85,000 | 154,000 | 219,000 | 279,000 |
| Net interest income | 180,000 | 336,000 | 497,000 | 653,000 |
| Noninterest income | 11,000 | 21,000 | 33,000 | 46,000 |
| Noninterest expense | 102,000 | 198,000 | 295,000 | 387,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 89,000 | 159,000 | 180,000 | 257,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 89,000 | 159,000 | 180,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,757,000 | 1,826,000 | 1,873,000 | 1,860,000 |
| Total capital | 1,882,000 | 1,960,000 | 2,008,000 | 1,997,000 |
| Risk-weighted assets | 9,862,000 | 10,644,000 | 10,719,000 | 10,864,000 |