Call reports 2004
LIVINGSTON STATE BANK — 2004
What LIVINGSTON 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 | 97,206,000 | 99,287,000 | 101,944,000 | 107,808,000 |
| Total loans | 69,371,000 | 72,338,000 | 75,310,000 | 77,056,000 |
| Allowance for loan losses | 755,000 | 738,000 | 777,000 | 880,000 |
| Securities available for sale | 21,548,000 | 19,810,000 | 18,925,000 | 19,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,364,000 | 87,457,000 | 89,392,000 | 93,464,000 |
| Interest-bearing deposits | 79,384,000 | 81,346,000 | 82,478,000 | 85,902,000 |
| Noninterest-bearing deposits | 5,980,000 | 6,111,000 | 6,914,000 | 7,562,000 |
| Equity capital | 11,047,000 | 10,958,000 | 11,561,000 | 13,596,000 |
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 | 1,281,000 | 2,610,000 | 3,962,000 | 5,339,000 |
| Interest expense | 495,000 | 985,000 | 1,503,000 | 2,065,000 |
| Net interest income | 786,000 | 1,625,000 | 2,459,000 | 3,274,000 |
| Noninterest income | 79,000 | 179,000 | 263,000 | 376,000 |
| Noninterest expense | 342,000 | 732,000 | 1,105,000 | 1,668,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 523,000 | 1,072,000 | 1,617,000 | 1,882,000 |
| Income tax | 181,000 | 372,000 | 622,000 | 613,000 |
| Net income | 342,000 | 700,000 | 995,000 | 1,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,852,000 | 11,052,000 | 11,505,000 | 11,179,000 |
| Total capital | 11,607,000 | 11,790,000 | 12,282,000 | 12,059,000 |
| Risk-weighted assets | 67,572,000 | 69,056,000 | 71,341,000 | 75,458,000 |