Call reports 2012
LIVINGSTON STATE BANK — 2012
What LIVINGSTON STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 157,815,000 | 160,975,000 | 160,331,000 | 158,654,000 |
| Total loans | 108,225,000 | 111,439,000 | 113,642,000 | 110,037,000 |
| Allowance for loan losses | 2,197,000 | 2,193,000 | 2,160,000 | 2,095,000 |
| Securities available for sale | 16,872,000 | 16,609,000 | 16,357,000 | 15,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,270,000 | 143,020,000 | 141,943,000 | 140,062,000 |
| Interest-bearing deposits | 125,228,000 | 126,211,000 | 123,341,000 | 122,051,000 |
| Noninterest-bearing deposits | 15,042,000 | 16,809,000 | 18,603,000 | 18,011,000 |
| Equity capital | 16,820,000 | 17,158,000 | 17,562,000 | 17,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,809,000 | 3,645,000 | 5,426,000 | 7,277,000 |
| Interest expense | 394,000 | 773,000 | 1,124,000 | 1,454,000 |
| Net interest income | 1,415,000 | 2,872,000 | 4,302,000 | 5,823,000 |
| Noninterest income | 135,000 | 248,000 | 467,000 | 636,000 |
| Noninterest expense | 957,000 | 1,983,000 | 3,047,000 | 4,063,000 |
| Provision for loan losses | 0 | 71,000 | 71,000 | 76,000 |
| Pretax income | 593,000 | 1,066,000 | 1,651,000 | 2,320,000 |
| Income tax | 187,000 | 360,000 | 569,000 | 823,000 |
| Net income | 406,000 | 706,000 | 1,082,000 | 1,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,905,000 | 15,237,000 | 15,645,000 | 16,017,000 |
| Total capital | 16,296,000 | 16,655,000 | 17,036,000 | 17,352,000 |
| Risk-weighted assets | 110,468,000 | 112,644,000 | 110,506,000 | 106,019,000 |