Call reports 2004
LORRAINE STATE BANK — 2004
What LORRAINE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 13,225,000 | 13,794,000 | 13,419,000 | 13,972,000 |
| Total loans | 7,821,000 | 8,106,000 | 8,242,000 | 8,563,000 |
| Allowance for loan losses | 93,000 | 95,000 | 100,000 | 91,000 |
| Securities available for sale | 3,172,000 | 3,425,000 | 3,262,000 | 3,465,000 |
| Securities held to maturity | 1,218,000 | 1,293,000 | 1,284,000 | 1,088,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,605,000 | 12,204,000 | 11,423,000 | 12,430,000 |
| Interest-bearing deposits | 9,755,000 | 9,855,000 | 10,193,000 | 10,592,000 |
| Noninterest-bearing deposits | 1,850,000 | 2,349,000 | 1,230,000 | 1,838,000 |
| Equity capital | 1,559,000 | 1,545,000 | 1,607,000 | 1,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 169,000 | 336,000 | 509,000 | 695,000 |
| Interest expense | 40,000 | 73,000 | 112,000 | 161,000 |
| Net interest income | 129,000 | 263,000 | 397,000 | 534,000 |
| Noninterest income | 8,000 | 16,000 | 22,000 | 27,000 |
| Noninterest expense | 81,000 | 179,000 | 271,000 | 391,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 51,000 | 95,000 | 143,000 | 165,000 |
| Income tax | 13,000 | 24,000 | 30,000 | 31,000 |
| Net income | 38,000 | 71,000 | 113,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,520,000 | 1,554,000 | 1,596,000 | 1,506,000 |
| Total capital | 1,613,000 | 1,649,000 | 1,696,000 | 1,597,000 |
| Risk-weighted assets | 9,128,000 | 9,555,000 | 9,603,000 | 9,713,000 |