Call reports 2003
LIVINGSTON STATE BANK — 2003
What LIVINGSTON STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 89,100,000 | 92,471,000 | 93,358,000 | 96,561,000 |
| Total loans | 62,272,000 | 65,828,000 | 66,746,000 | 68,147,000 |
| Allowance for loan losses | 767,000 | 771,000 | 771,000 | 770,000 |
| Securities available for sale | 19,801,000 | 18,952,000 | 18,708,000 | 20,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,179,000 | 81,191,000 | 81,765,000 | 85,177,000 |
| Interest-bearing deposits | 73,062,000 | 75,748,000 | 76,634,000 | 78,591,000 |
| Noninterest-bearing deposits | 5,117,000 | 5,443,000 | 5,131,000 | 6,586,000 |
| Equity capital | 10,071,000 | 10,405,000 | 10,656,000 | 10,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,283,000 | 2,596,000 | 3,877,000 | 5,173,000 |
| Interest expense | 559,000 | 1,102,000 | 1,632,000 | 2,141,000 |
| Net interest income | 724,000 | 1,494,000 | 2,245,000 | 3,032,000 |
| Noninterest income | 70,000 | 143,000 | 220,000 | 323,000 |
| Noninterest expense | 319,000 | 692,000 | 1,056,000 | 1,609,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 475,000 | 945,000 | 1,409,000 | 1,746,000 |
| Income tax | 210,000 | 341,000 | 483,000 | 648,000 |
| Net income | 265,000 | 604,000 | 926,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,788,000 | 10,127,000 | 10,449,000 | 10,510,000 |
| Total capital | 10,544,000 | 10,898,000 | 11,220,000 | 11,280,000 |
| Risk-weighted assets | 60,502,000 | 63,544,000 | 64,657,000 | 66,152,000 |