Call reports 2005
LIVINGSTON STATE BANK — 2005
What LIVINGSTON 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 | 108,086,000 | 109,605,000 | 114,290,000 | 115,657,000 |
| Total loans | 78,205,000 | 81,294,000 | 85,449,000 | 85,978,000 |
| Allowance for loan losses | 881,000 | 878,000 | 893,000 | 835,000 |
| Securities available for sale | 19,309,000 | 18,952,000 | 19,081,000 | 18,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,471,000 | 94,954,000 | 99,512,000 | 100,474,000 |
| Interest-bearing deposits | 86,519,000 | 87,452,000 | 90,271,000 | 91,477,000 |
| Noninterest-bearing deposits | 6,952,000 | 7,502,000 | 9,241,000 | 8,997,000 |
| Equity capital | 13,665,000 | 13,789,000 | 13,910,000 | 14,297,000 |
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 | 1,383,000 | 2,789,000 | 4,338,000 | 5,924,000 |
| Interest expense | 599,000 | 1,251,000 | 1,954,000 | 2,730,000 |
| Net interest income | 784,000 | 1,538,000 | 2,384,000 | 3,194,000 |
| Noninterest income | 73,000 | 170,000 | 306,000 | 448,000 |
| Noninterest expense | 359,000 | 768,000 | 1,162,000 | 1,608,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 498,000 | 940,000 | 1,528,000 | 2,034,000 |
| Income tax | 188,000 | 346,000 | 544,000 | 660,000 |
| Net income | 310,000 | 594,000 | 984,000 | 1,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,529,000 | 11,534,000 | 11,805,000 | 12,217,000 |
| Total capital | 12,410,000 | 12,412,000 | 12,698,000 | 13,052,000 |
| Risk-weighted assets | 76,309,000 | 76,773,000 | 81,055,000 | 81,769,000 |