Call reports 2007
LORRAINE STATE BANK — 2007
What LORRAINE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 15,514,000 | 15,227,000 | 15,671,000 | 16,384,000 |
| Total loans | 10,077,000 | 10,822,000 | 10,056,000 | 10,238,000 |
| Allowance for loan losses | 108,000 | 111,000 | 110,000 | 113,000 |
| Securities available for sale | 2,336,000 | 2,105,000 | 2,232,000 | 2,564,000 |
| Securities held to maturity | 1,477,000 | 1,477,000 | 1,506,000 | 1,566,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,841,000 | 13,401,000 | 13,893,000 | 14,571,000 |
| Interest-bearing deposits | 11,722,000 | 11,191,000 | 11,738,000 | 11,938,000 |
| Noninterest-bearing deposits | 2,119,000 | 2,210,000 | 2,155,000 | 2,633,000 |
| Equity capital | 1,597,000 | 1,634,000 | 1,680,000 | 1,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 231,000 | 468,000 | 703,000 | 942,000 |
| Interest expense | 91,000 | 190,000 | 289,000 | 396,000 |
| Net interest income | 140,000 | 278,000 | 414,000 | 546,000 |
| Noninterest income | 4,000 | 10,000 | 16,000 | 21,000 |
| Noninterest expense | 97,000 | 190,000 | 280,000 | 405,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 44,000 | 95,000 | 147,000 | 159,000 |
| Income tax | 8,000 | 18,000 | 38,000 | 27,000 |
| Net income | 36,000 | 77,000 | 109,000 | 132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,607,000 | 1,648,000 | 1,680,000 | 1,702,000 |
| Total capital | 1,715,000 | 1,759,000 | 1,790,000 | 1,815,000 |
| Risk-weighted assets | 11,547,000 | 12,105,000 | 11,548,000 | 11,948,000 |
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