Call reports 2012
LORRAINE STATE BANK — 2012
What LORRAINE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 24,182,000 | 24,173,000 | 24,050,000 | 24,904,000 |
| Total loans | 14,861,000 | 14,679,000 | 14,827,000 | 14,775,000 |
| Allowance for loan losses | 148,000 | 145,000 | 145,000 | 145,000 |
| Securities available for sale | 2,635,000 | 2,968,000 | 3,069,000 | 3,060,000 |
| Securities held to maturity | 3,100,000 | 3,520,000 | 3,805,000 | 3,545,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,685,000 | 21,563,000 | 21,150,000 | 22,178,000 |
| Interest-bearing deposits | 18,978,000 | 18,515,000 | 17,991,000 | 17,830,000 |
| Noninterest-bearing deposits | 2,707,000 | 3,048,000 | 3,159,000 | 4,348,000 |
| Equity capital | 2,317,000 | 2,410,000 | 2,487,000 | 2,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 250,000 | 491,000 | 733,000 | 973,000 |
| Interest expense | 40,000 | 76,000 | 107,000 | 135,000 |
| Net interest income | 210,000 | 415,000 | 626,000 | 838,000 |
| Noninterest income | 4,000 | 12,000 | 17,000 | 22,000 |
| Noninterest expense | 110,000 | 220,000 | 330,000 | 516,000 |
| Provision for loan losses | 35,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 69,000 | 172,000 | 278,000 | 309,000 |
| Income tax | 18,000 | 46,000 | 76,000 | 80,000 |
| Net income | 51,000 | 126,000 | 202,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,239,000 | 2,314,000 | 2,391,000 | 2,417,000 |
| Total capital | 2,387,000 | 2,459,000 | 2,536,000 | 2,562,000 |
| Risk-weighted assets | 16,725,000 | 16,676,000 | 16,812,000 | 17,011,000 |