Call reports 2007
LIVINGSTON STATE BANK — 2007
What LIVINGSTON STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 136,062,000 | 138,954,000 | 140,625,000 | 144,722,000 |
| Total loans | 101,640,000 | 107,468,000 | 110,342,000 | 111,301,000 |
| Allowance for loan losses | 876,000 | 843,000 | 877,000 | 960,000 |
| Securities available for sale | 18,649,000 | 17,684,000 | 17,639,000 | 16,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,299,000 | 117,424,000 | 117,701,000 | 121,664,000 |
| Interest-bearing deposits | 107,731,000 | 108,846,000 | 108,682,000 | 110,884,000 |
| Noninterest-bearing deposits | 8,568,000 | 8,578,000 | 9,019,000 | 10,780,000 |
| Equity capital | 14,383,000 | 14,369,000 | 14,668,000 | 14,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,071,000 | 4,282,000 | 6,602,000 | 8,964,000 |
| Interest expense | 1,197,000 | 2,437,000 | 3,707,000 | 5,032,000 |
| Net interest income | 874,000 | 1,845,000 | 2,895,000 | 3,932,000 |
| Noninterest income | 103,000 | 156,000 | 400,000 | 603,000 |
| Noninterest expense | 567,000 | 1,023,000 | 1,648,000 | 2,189,000 |
| Provision for loan losses | 8,000 | 38,000 | 96,000 | 266,000 |
| Pretax income | 402,000 | 940,000 | 1,551,000 | 2,080,000 |
| Income tax | 134,000 | 319,000 | 533,000 | 672,000 |
| Net income | 268,000 | 621,000 | 1,018,000 | 1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,320,000 | 12,459,000 | 12,578,000 | 12,689,000 |
| Total capital | 13,196,000 | 13,302,000 | 13,455,000 | 13,649,000 |
| Risk-weighted assets | 98,136,000 | 103,747,000 | 107,636,000 | 108,918,000 |