Call reports 2006
LIVINGSTON STATE BANK — 2006
What LIVINGSTON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 121,871,000 | 123,896,000 | 127,368,000 | 134,836,000 |
| Total loans | 88,148,000 | 93,418,000 | 96,889,000 | 98,587,000 |
| Allowance for loan losses | 835,000 | 825,000 | 874,000 | 870,000 |
| Securities available for sale | 18,192,000 | 17,638,000 | 17,795,000 | 17,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,995,000 | 109,163,000 | 109,645,000 | 115,442,000 |
| Interest-bearing deposits | 94,825,000 | 102,223,000 | 102,111,000 | 106,987,000 |
| Noninterest-bearing deposits | 12,170,000 | 6,940,000 | 7,534,000 | 8,455,000 |
| Equity capital | 13,887,000 | 13,712,000 | 14,085,000 | 14,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,638,000 | 3,432,000 | 5,345,000 | 7,411,000 |
| Interest expense | 826,000 | 1,768,000 | 2,826,000 | 4,007,000 |
| Net interest income | 812,000 | 1,664,000 | 2,519,000 | 3,404,000 |
| Noninterest income | 77,000 | 207,000 | 286,000 | 403,000 |
| Noninterest expense | 422,000 | 909,000 | 1,463,000 | 2,006,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 467,000 | 962,000 | 1,342,000 | 1,801,000 |
| Income tax | 130,000 | 335,000 | 470,000 | 610,000 |
| Net income | 337,000 | 627,000 | 872,000 | 1,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,902,000 | 11,838,000 | 11,950,000 | 12,110,000 |
| Total capital | 12,737,000 | 12,663,000 | 12,824,000 | 12,980,000 |
| Risk-weighted assets | 85,358,000 | 89,409,000 | 93,232,000 | 95,831,000 |