Call reports 2015
LIVINGSTON STATE BANK — 2015
What LIVINGSTON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 159,385,000 | 162,410,000 | 164,331,000 | 165,539,000 |
| Total loans | 121,708,000 | 122,072,000 | 121,835,000 | 121,250,000 |
| Allowance for loan losses | 1,939,000 | 1,959,000 | 1,955,000 | 1,962,000 |
| Securities available for sale | 18,816,000 | 17,827,000 | 17,659,000 | 16,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,798,000 | 139,502,000 | 138,103,000 | 139,655,000 |
| Interest-bearing deposits | 118,146,000 | 118,494,000 | 116,996,000 | 114,326,000 |
| Noninterest-bearing deposits | 18,652,000 | 21,007,000 | 21,107,000 | 25,328,000 |
| Equity capital | 19,889,000 | 20,111,000 | 20,376,000 | 20,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,594,000 | 3,218,000 | 4,821,000 | 6,410,000 |
| Interest expense | 201,000 | 403,000 | 606,000 | 816,000 |
| Net interest income | 1,393,000 | 2,815,000 | 4,215,000 | 5,594,000 |
| Noninterest income | 150,000 | 279,000 | 411,000 | 561,000 |
| Noninterest expense | 981,000 | 1,969,000 | 2,947,000 | 3,875,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 586,000 | 1,149,000 | 1,703,000 | 2,304,000 |
| Income tax | 211,000 | 368,000 | 544,000 | 733,000 |
| Net income | 375,000 | 781,000 | 1,159,000 | 1,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,436,000 | 17,733,000 | 17,980,000 | 18,409,000 |
| Total capital | 18,925,000 | 19,249,000 | 19,467,000 | 19,842,000 |
| Risk-weighted assets | 117,669,000 | 119,833,000 | 117,537,000 | 113,119,000 |