Call reports 2010
LIVINGSTON STATE BANK — 2010
What LIVINGSTON STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 159,618,000 | 156,888,000 | 157,345,000 | 152,297,000 |
| Total loans | 123,268,000 | 123,070,000 | 123,229,000 | 115,404,000 |
| Allowance for loan losses | 2,139,000 | 1,778,000 | 1,806,000 | 2,318,000 |
| Securities available for sale | 14,154,000 | 14,445,000 | 15,163,000 | 15,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,137,000 | 134,215,000 | 133,302,000 | 132,309,000 |
| Interest-bearing deposits | 123,539,000 | 123,766,000 | 123,017,000 | 119,219,000 |
| Noninterest-bearing deposits | 9,598,000 | 10,450,000 | 10,285,000 | 13,090,000 |
| Equity capital | 15,741,000 | 15,895,000 | 15,218,000 | 15,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,131,000 | 4,316,000 | 6,426,000 | 8,547,000 |
| Interest expense | 628,000 | 1,217,000 | 1,775,000 | 2,293,000 |
| Net interest income | 1,503,000 | 3,099,000 | 4,651,000 | 6,254,000 |
| Noninterest income | 122,000 | 268,000 | 427,000 | 585,000 |
| Noninterest expense | 886,000 | 1,873,000 | 2,889,000 | 4,246,000 |
| Provision for loan losses | 450,000 | 915,000 | 2,378,000 | 2,918,000 |
| Pretax income | 289,000 | 579,000 | -249,000 | -385,000 |
| Income tax | 197,000 | 240,000 | 112,000 | -290,000 |
| Net income | 92,000 | 339,000 | -361,000 | -95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,730,000 | 13,998,000 | 13,236,000 | 13,525,000 |
| Total capital | 15,333,000 | 15,594,000 | 14,839,000 | 14,931,000 |
| Risk-weighted assets | 128,818,000 | 128,620,000 | 120,093,000 | 112,758,000 |