Call reports 2015
LORRAINE STATE BANK — 2015
What LORRAINE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 24,529,000 | 24,636,000 | 23,804,000 | 23,817,000 |
| Total loans | 16,849,000 | 17,807,000 | 17,834,000 | 17,628,000 |
| Allowance for loan losses | 217,000 | 220,000 | 222,000 | 144,000 |
| Securities available for sale | 3,180,000 | 3,045,000 | 2,456,000 | 2,211,000 |
| Securities held to maturity | 3,216,000 | 3,216,000 | 3,056,000 | 2,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,436,000 | 20,095,000 | 19,954,000 | 19,919,000 |
| Interest-bearing deposits | 17,046,000 | 16,845,000 | 17,005,000 | 16,827,000 |
| Noninterest-bearing deposits | 4,390,000 | 3,250,000 | 2,949,000 | 3,092,000 |
| Equity capital | 2,996,000 | 3,055,000 | 3,131,000 | 3,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 225,000 | 456,000 | 694,000 | 927,000 |
| Interest expense | 14,000 | 28,000 | 43,000 | 59,000 |
| Net interest income | 211,000 | 428,000 | 651,000 | 868,000 |
| Noninterest income | 6,000 | 11,000 | 17,000 | 22,000 |
| Noninterest expense | 100,000 | 213,000 | 336,000 | 490,000 |
| Provision for loan losses | 46,000 | 46,000 | 46,000 | 86,000 |
| Pretax income | 71,000 | 180,000 | 288,000 | 317,000 |
| Income tax | 16,000 | 54,000 | 91,000 | 81,000 |
| Net income | 55,000 | 126,000 | 197,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,947,000 | 3,018,000 | 3,088,000 | 3,128,000 |
| Total capital | 3,164,000 | 3,238,000 | 3,310,000 | 3,272,000 |
| Risk-weighted assets | 18,342,000 | 19,256,000 | 19,020,000 | 18,718,000 |
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