Call reports 2018
LORRAINE STATE BANK — 2018
What LORRAINE STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 22,942,000 | 23,098,000 | 22,499,000 | 23,315,000 |
| Total loans | 17,821,000 | 18,416,000 | 18,370,000 | 18,053,000 |
| Allowance for loan losses | 181,000 | 181,000 | 203,000 | 215,000 |
| Securities available for sale | 1,335,000 | 1,430,000 | 1,602,000 | 1,602,000 |
| Securities held to maturity | 1,919,000 | 1,819,000 | 1,722,000 | 1,590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,284,000 | 19,372,000 | 18,217,000 | 19,377,000 |
| Interest-bearing deposits | 15,852,000 | 15,915,000 | 15,169,000 | 15,808,000 |
| Noninterest-bearing deposits | 3,432,000 | 3,457,000 | 3,048,000 | 3,569,000 |
| Equity capital | 3,605,000 | 3,655,000 | 3,698,000 | 3,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 216,000 | 436,000 | 663,000 | 891,000 |
| Interest expense | 19,000 | 42,000 | 67,000 | 92,000 |
| Net interest income | 197,000 | 394,000 | 596,000 | 799,000 |
| Noninterest income | 3,000 | 5,000 | 8,000 | 12,000 |
| Noninterest expense | 107,000 | 219,000 | 323,000 | 505,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 30,000 |
| Pretax income | 93,000 | 180,000 | 261,000 | 416,000 |
| Income tax | 30,000 | 63,000 | 93,000 | 94,000 |
| Net income | 63,000 | 117,000 | 168,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,603,000 | 3,656,000 | 3,707,000 | 3,861,000 |
| Total capital | 3,784,000 | 3,837,000 | 3,910,000 | 4,076,000 |
| Risk-weighted assets | 18,735,000 | 19,238,000 | 19,191,000 | 19,140,000 |
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