Call reports 2008
LIVINGSTON STATE BANK — 2008
What LIVINGSTON STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 149,096,000 | 147,137,000 | 150,820,000 | 151,872,000 |
| Total loans | 112,656,000 | 115,899,000 | 120,723,000 | 121,262,000 |
| Allowance for loan losses | 1,029,000 | 1,009,000 | 906,000 | 1,706,000 |
| Securities available for sale | 16,294,000 | 17,658,000 | 19,389,000 | 18,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,847,000 | 124,090,000 | 122,993,000 | 123,030,000 |
| Interest-bearing deposits | 116,514,000 | 114,124,000 | 113,878,000 | 112,340,000 |
| Noninterest-bearing deposits | 9,333,000 | 9,966,000 | 9,115,000 | 10,690,000 |
| Equity capital | 15,031,000 | 14,920,000 | 15,289,000 | 15,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,352,000 | 4,582,000 | 6,948,000 | 9,220,000 |
| Interest expense | 1,292,000 | 2,458,000 | 3,504,000 | 4,479,000 |
| Net interest income | 1,060,000 | 2,124,000 | 3,444,000 | 4,741,000 |
| Noninterest income | 219,000 | 391,000 | 609,000 | 803,000 |
| Noninterest expense | 608,000 | 1,251,000 | 2,019,000 | 2,809,000 |
| Provision for loan losses | 84,000 | 165,000 | 230,000 | 1,128,000 |
| Pretax income | 587,000 | 1,099,000 | 1,804,000 | 1,607,000 |
| Income tax | 147,000 | 329,000 | 534,000 | 443,000 |
| Net income | 440,000 | 770,000 | 1,270,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,852,000 | 12,902,000 | 13,314,000 | 13,228,000 |
| Total capital | 13,881,000 | 13,911,000 | 14,220,000 | 14,749,000 |
| Risk-weighted assets | 112,553,000 | 115,284,000 | 120,783,000 | 121,473,000 |