Call reports 2009
LORRAINE STATE BANK — 2009
What LORRAINE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 18,212,000 | 18,058,000 | 18,154,000 | 19,329,000 |
| Total loans | 11,310,000 | 11,860,000 | 12,369,000 | 12,790,000 |
| Allowance for loan losses | 113,000 | 113,000 | 113,000 | 113,000 |
| Securities available for sale | 2,673,000 | 2,652,000 | 2,451,000 | 2,402,000 |
| Securities held to maturity | 2,011,000 | 2,416,000 | 2,416,000 | 2,292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,128,000 | 15,936,000 | 15,047,000 | 17,113,000 |
| Interest-bearing deposits | 13,851,000 | 13,276,000 | 13,322,000 | 14,220,000 |
| Noninterest-bearing deposits | 2,277,000 | 2,660,000 | 1,725,000 | 2,893,000 |
| Equity capital | 1,947,000 | 1,992,000 | 2,054,000 | 2,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 230,000 | 467,000 | 706,000 | 951,000 |
| Interest expense | 65,000 | 124,000 | 181,000 | 238,000 |
| Net interest income | 165,000 | 343,000 | 525,000 | 713,000 |
| Noninterest income | 8,000 | 13,000 | 18,000 | 24,000 |
| Noninterest expense | 94,000 | 199,000 | 308,000 | 477,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 79,000 | 157,000 | 235,000 | 260,000 |
| Income tax | 19,000 | 42,000 | 65,000 | 68,000 |
| Net income | 60,000 | 115,000 | 170,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,906,000 | 1,962,000 | 2,017,000 | 2,038,000 |
| Total capital | 2,019,000 | 2,075,000 | 2,130,000 | 2,151,000 |
| Risk-weighted assets | 13,014,000 | 13,539,000 | 13,885,000 | 14,404,000 |