Call reports 2013
LORRAINE STATE BANK — 2013
What LORRAINE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 24,612,000 | 23,509,000 | 23,558,000 | 24,125,000 |
| Total loans | 15,131,000 | 15,478,000 | 15,126,000 | 15,501,000 |
| Allowance for loan losses | 146,000 | 144,000 | 146,000 | 140,000 |
| Securities available for sale | 3,147,000 | 2,973,000 | 2,778,000 | 2,650,000 |
| Securities held to maturity | 3,743,000 | 3,743,000 | 3,553,000 | 3,232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,884,000 | 20,070,000 | 20,733,000 | 21,340,000 |
| Interest-bearing deposits | 18,498,000 | 16,842,000 | 17,014,000 | 17,454,000 |
| Noninterest-bearing deposits | 3,386,000 | 3,228,000 | 3,719,000 | 3,886,000 |
| Equity capital | 2,582,000 | 2,617,000 | 2,694,000 | 2,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 231,000 | 472,000 | 708,000 | 935,000 |
| Interest expense | 26,000 | 51,000 | 76,000 | 100,000 |
| Net interest income | 205,000 | 421,000 | 632,000 | 835,000 |
| Noninterest income | 9,000 | 23,000 | 31,000 | 36,000 |
| Noninterest expense | 100,000 | 214,000 | 322,000 | 515,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 114,000 | 230,000 | 341,000 | 356,000 |
| Income tax | 34,000 | 74,000 | 111,000 | 98,000 |
| Net income | 80,000 | 156,000 | 230,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,497,000 | 2,573,000 | 2,647,000 | 2,675,000 |
| Total capital | 2,643,000 | 2,717,000 | 2,793,000 | 2,815,000 |
| Risk-weighted assets | 17,040,000 | 17,055,000 | 16,767,000 | 17,035,000 |
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