Call reports 2006
LORRAINE STATE BANK — 2006
What LORRAINE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 15,307,000 | 15,622,000 | 15,231,000 | 15,277,000 |
| Total loans | 9,661,000 | 9,713,000 | 9,979,000 | 10,131,000 |
| Allowance for loan losses | 107,000 | 105,000 | 105,000 | 105,000 |
| Securities available for sale | 3,287,000 | 3,278,000 | 2,971,000 | 2,777,000 |
| Securities held to maturity | 1,182,000 | 1,182,000 | 1,206,000 | 1,477,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,690,000 | 13,970,000 | 13,518,000 | 13,637,000 |
| Interest-bearing deposits | 11,507,000 | 11,629,000 | 11,834,000 | 11,496,000 |
| Noninterest-bearing deposits | 2,183,000 | 2,341,000 | 1,684,000 | 2,141,000 |
| Equity capital | 1,555,000 | 1,578,000 | 1,635,000 | 1,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 205,000 | 414,000 | 636,000 | 864,000 |
| Interest expense | 69,000 | 150,000 | 238,000 | 327,000 |
| Net interest income | 136,000 | 264,000 | 398,000 | 537,000 |
| Noninterest income | 3,000 | 9,000 | 12,000 | 15,000 |
| Noninterest expense | 83,000 | 171,000 | 260,000 | 376,000 |
| Provision for loan losses | 0 | 2,000 | 2,000 | 2,000 |
| Pretax income | 56,000 | 100,000 | 148,000 | 174,000 |
| Income tax | 14,000 | 28,000 | 42,000 | 35,000 |
| Net income | 42,000 | 72,000 | 106,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,586,000 | 1,615,000 | 1,649,000 | 1,573,000 |
| Total capital | 1,693,000 | 1,720,000 | 1,754,000 | 1,678,000 |
| Risk-weighted assets | 10,993,000 | 11,122,000 | 11,275,000 | 11,518,000 |
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