Call reports 2002
LIVINGSTON STATE BANK — 2002
What LIVINGSTON STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 79,902,000 | 83,945,000 | 85,994,000 | 88,499,000 |
| Total loans | 56,515,000 | 57,214,000 | 59,764,000 | 59,698,000 |
| Allowance for loan losses | 678,000 | 678,000 | 777,000 | 766,000 |
| Securities available for sale | 18,171,000 | 19,550,000 | 19,291,000 | 20,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,897,000 | 73,401,000 | 75,220,000 | 77,908,000 |
| Interest-bearing deposits | 65,106,000 | 68,327,000 | 69,681,000 | 71,983,000 |
| Noninterest-bearing deposits | 4,791,000 | 5,074,000 | 5,539,000 | 5,925,000 |
| Equity capital | 9,239,000 | 9,708,000 | 9,828,000 | 9,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,281,000 | 2,661,000 | 4,043,000 | 5,422,000 |
| Interest expense | 621,000 | 1,239,000 | 1,866,000 | 2,467,000 |
| Net interest income | 660,000 | 1,422,000 | 2,177,000 | 2,955,000 |
| Noninterest income | 59,000 | 154,000 | 224,000 | 304,000 |
| Noninterest expense | 314,000 | 652,000 | 948,000 | 1,448,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 405,000 | 924,000 | 1,353,000 | 1,711,000 |
| Income tax | 133,000 | 314,000 | 454,000 | 507,000 |
| Net income | 272,000 | 610,000 | 899,000 | 1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,097,000 | 9,384,000 | 9,487,000 | 9,523,000 |
| Total capital | 9,775,000 | 10,062,000 | 10,215,000 | 10,249,000 |
| Risk-weighted assets | 54,869,000 | 56,904,000 | 58,150,000 | 58,071,000 |