Call reports 2011
LORRAINE STATE BANK — 2011
What LORRAINE STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 22,359,000 | 22,607,000 | 22,323,000 | 23,021,000 |
| Total loans | 14,855,000 | 15,219,000 | 15,775,000 | 15,767,000 |
| Allowance for loan losses | 110,000 | 113,000 | 112,000 | 130,000 |
| Securities available for sale | 3,332,000 | 2,902,000 | 2,453,000 | 2,451,000 |
| Securities held to maturity | 2,999,000 | 3,099,000 | 3,010,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,902,000 | 20,119,000 | 19,008,000 | 20,405,000 |
| Interest-bearing deposits | 17,181,000 | 17,051,000 | 16,594,000 | 16,765,000 |
| Noninterest-bearing deposits | 2,721,000 | 3,068,000 | 2,414,000 | 3,640,000 |
| Equity capital | 2,192,000 | 2,303,000 | 2,394,000 | 2,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 245,000 | 502,000 | 762,000 | 1,023,000 |
| Interest expense | 47,000 | 91,000 | 130,000 | 170,000 |
| Net interest income | 198,000 | 411,000 | 632,000 | 853,000 |
| Noninterest income | 8,000 | 13,000 | 20,000 | 26,000 |
| Noninterest expense | 99,000 | 207,000 | 318,000 | 494,000 |
| Provision for loan losses | 0 | 0 | 38,000 | 56,000 |
| Pretax income | 107,000 | 217,000 | 308,000 | 338,000 |
| Income tax | 33,000 | 69,000 | 96,000 | 95,000 |
| Net income | 74,000 | 148,000 | 212,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,169,000 | 2,244,000 | 2,307,000 | 2,338,000 |
| Total capital | 2,279,000 | 2,357,000 | 2,419,000 | 2,468,000 |
| Risk-weighted assets | 16,370,000 | 16,753,000 | 17,188,000 | 17,260,000 |