Call reports 2005
LORRAINE STATE BANK — 2005
What LORRAINE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 14,343,000 | 14,905,000 | 14,913,000 | 14,978,000 |
| Total loans | 8,947,000 | 9,637,000 | 9,593,000 | 9,623,000 |
| Allowance for loan losses | 99,000 | 104,000 | 105,000 | 107,000 |
| Securities available for sale | 3,514,000 | 3,450,000 | 3,227,000 | 3,002,000 |
| Securities held to maturity | 1,187,000 | 1,188,000 | 1,232,000 | 1,232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,772,000 | 12,764,000 | 12,745,000 | 13,242,000 |
| Interest-bearing deposits | 11,330,000 | 11,111,000 | 10,960,000 | 11,127,000 |
| Noninterest-bearing deposits | 1,442,000 | 1,653,000 | 1,785,000 | 2,115,000 |
| Equity capital | 1,522,000 | 1,581,000 | 1,600,000 | 1,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 177,000 | 374,000 | 571,000 | 774,000 |
| Interest expense | 47,000 | 104,000 | 167,000 | 231,000 |
| Net interest income | 130,000 | 270,000 | 404,000 | 543,000 |
| Noninterest income | 4,000 | 10,000 | 16,000 | 19,000 |
| Noninterest expense | 79,000 | 162,000 | 257,000 | 366,000 |
| Provision for loan losses | 0 | 7,000 | 7,000 | 7,000 |
| Pretax income | 55,000 | 111,000 | 156,000 | 189,000 |
| Income tax | 15,000 | 31,000 | 44,000 | 42,000 |
| Net income | 40,000 | 80,000 | 112,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,547,000 | 1,587,000 | 1,619,000 | 1,544,000 |
| Total capital | 1,646,000 | 1,691,000 | 1,724,000 | 1,651,000 |
| Risk-weighted assets | 9,892,000 | 10,935,000 | 10,823,000 | 10,933,000 |