Call reports 2019
LORRAINE STATE BANK — 2019
What LORRAINE STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 22,907,000 | 22,439,000 | 22,458,000 | 22,786,000 |
| Total loans | 17,822,000 | 18,216,000 | 18,264,000 | 18,152,000 |
| Allowance for loan losses | 223,000 | 225,000 | 228,000 | 229,000 |
| Securities available for sale | 1,514,000 | 1,428,000 | 1,327,000 | 1,411,000 |
| Securities held to maturity | 1,540,000 | 1,540,000 | 1,540,000 | 1,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,877,000 | 18,309,000 | 18,247,000 | 18,757,000 |
| Interest-bearing deposits | 15,710,000 | 15,226,000 | 14,637,000 | 15,378,000 |
| Noninterest-bearing deposits | 3,167,000 | 3,083,000 | 3,610,000 | 3,379,000 |
| Equity capital | 3,931,000 | 4,011,000 | 4,072,000 | 3,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 229,000 | 463,000 | 700,000 | 935,000 |
| Interest expense | 27,000 | 58,000 | 90,000 | 125,000 |
| Net interest income | 202,000 | 405,000 | 610,000 | 810,000 |
| Noninterest income | 2,000 | 6,000 | 10,000 | 13,000 |
| Noninterest expense | 107,000 | 217,000 | 327,000 | 508,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 97,000 | 194,000 | 293,000 | 326,000 |
| Income tax | 35,000 | 71,000 | 108,000 | 66,000 |
| Net income | 62,000 | 123,000 | 185,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,924,000 | 3,985,000 | 4,046,000 | 3,921,000 |
| Total capital | 4,147,000 | 4,210,000 | 4,274,000 | 4,150,000 |
| Risk-weighted assets | 18,886,000 | 19,245,000 | 18,963,000 | 19,232,000 |