Call reports 2007
LAMAR BANK AND TRUST COMPANY — 2007
What LAMAR BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 112,042,000 | 111,181,000 | 108,623,000 | 113,573,000 |
| Total loans | 83,043,000 | 82,954,000 | 82,717,000 | 82,994,000 |
| Allowance for loan losses | 819,000 | 806,000 | 820,000 | 822,000 |
| Securities available for sale | 8,019,000 | 8,465,000 | 8,571,000 | 7,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,904,000 | 98,996,000 | 96,191,000 | 101,163,000 |
| Interest-bearing deposits | 88,665,000 | 86,145,000 | 85,668,000 | 90,248,000 |
| Noninterest-bearing deposits | 11,239,000 | 12,851,000 | 10,523,000 | 10,915,000 |
| Equity capital | 10,144,000 | 10,103,000 | 10,273,000 | 10,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,743,000 | 3,525,000 | 5,317,000 | 7,103,000 |
| Interest expense | 677,000 | 1,387,000 | 2,108,000 | 2,822,000 |
| Net interest income | 1,066,000 | 2,138,000 | 3,209,000 | 4,281,000 |
| Noninterest income | 294,000 | 600,000 | 919,000 | 1,306,000 |
| Noninterest expense | 634,000 | 1,327,000 | 1,962,000 | 2,717,000 |
| Provision for loan losses | 5,000 | 27,000 | 54,000 | 56,000 |
| Pretax income | 721,000 | 1,384,000 | 2,112,000 | 2,814,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 717,000 | 1,380,000 | 2,108,000 | 2,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,142,000 | 10,145,000 | 10,213,000 | 10,255,000 |
| Total capital | 10,961,000 | 10,952,000 | 11,033,000 | 11,077,000 |
| Risk-weighted assets | 74,111,000 | 73,935,000 | 72,773,000 | 73,999,000 |
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