Call reports 2009
LIVINGSTON STATE BANK — 2009
What LIVINGSTON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 154,265,000 | 155,110,000 | 154,355,000 | 161,335,000 |
| Total loans | 122,670,000 | 122,409,000 | 122,255,000 | 123,291,000 |
| Allowance for loan losses | 1,780,000 | 1,751,000 | 1,914,000 | 1,871,000 |
| Securities available for sale | 18,175,000 | 16,605,000 | 15,854,000 | 15,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,372,000 | 128,126,000 | 126,988,000 | 134,914,000 |
| Interest-bearing deposits | 116,521,000 | 119,011,000 | 117,609,000 | 122,804,000 |
| Noninterest-bearing deposits | 8,852,000 | 9,115,000 | 9,379,000 | 12,110,000 |
| Equity capital | 15,545,000 | 15,935,000 | 15,315,000 | 15,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,190,000 | 4,424,000 | 6,433,000 | 8,727,000 |
| Interest expense | 941,000 | 1,801,000 | 2,543,000 | 3,217,000 |
| Net interest income | 1,249,000 | 2,623,000 | 3,890,000 | 5,510,000 |
| Noninterest income | 126,000 | 246,000 | 406,000 | 558,000 |
| Noninterest expense | 707,000 | 1,500,000 | 2,553,000 | 3,530,000 |
| Provision for loan losses | 75,000 | 225,000 | 1,704,000 | 1,804,000 |
| Pretax income | 593,000 | 1,144,000 | 39,000 | 734,000 |
| Income tax | 211,000 | 361,000 | 0 | 193,000 |
| Net income | 382,000 | 783,000 | 39,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,482,000 | 13,905,000 | 13,183,000 | 13,616,000 |
| Total capital | 15,038,000 | 15,420,000 | 14,750,000 | 15,219,000 |
| Risk-weighted assets | 124,294,000 | 124,968,000 | 125,026,000 | 129,020,000 |