Call reports 2015
LOUISA COMMUNITY BANK — 2015
What LOUISA COMMUNITY 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 | 31,389,000 | 31,615,000 | 33,296,000 | 32,201,000 |
| Total loans | 26,516,000 | 27,012,000 | 28,516,000 | 27,887,000 |
| Allowance for loan losses | 454,000 | 465,000 | 495,000 | 526,000 |
| Securities available for sale | 726,000 | 664,000 | 607,000 | 561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,890,000 | 23,159,000 | 24,060,000 | 24,465,000 |
| Interest-bearing deposits | 22,097,000 | 20,776,000 | 21,451,000 | 21,498,000 |
| Noninterest-bearing deposits | 2,793,000 | 2,384,000 | 2,609,000 | 2,967,000 |
| Equity capital | 4,881,000 | 4,935,000 | 5,264,000 | 5,005,000 |
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 | 372,000 | 744,000 | 1,153,000 | 1,557,000 |
| Interest expense | 44,000 | 90,000 | 139,000 | 194,000 |
| Net interest income | 328,000 | 654,000 | 1,014,000 | 1,363,000 |
| Noninterest income | 65,000 | 138,000 | 207,000 | 283,000 |
| Noninterest expense | 303,000 | 610,000 | 968,000 | 1,632,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 60,000 | 122,000 | 163,000 | -106,000 |
| Income tax | 0 | 0 | 0 | -16,000 |
| Net income | 60,000 | 122,000 | 163,000 | -90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,832,000 | 4,894,000 | 5,225,000 | 4,826,000 |
| Total capital | 5,154,000 | 5,257,000 | 5,572,000 | 5,155,000 |
| Risk-weighted assets | 25,706,000 | 28,965,000 | 27,621,000 | 26,080,000 |