Call reports 2008
LAMAR BANK AND TRUST COMPANY — 2008
What LAMAR BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 116,351,000 | 115,052,000 | 107,422,000 | 114,009,000 |
| Total loans | 80,641,000 | 78,218,000 | 80,354,000 | 85,104,000 |
| Allowance for loan losses | 810,000 | 814,000 | 800,000 | 790,000 |
| Securities available for sale | 10,826,000 | 13,144,000 | 13,212,000 | 11,533,000 |
| Securities held to maturity | 0 | 476,000 | 458,000 | 442,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,701,000 | 102,563,000 | 96,280,000 | 102,687,000 |
| Interest-bearing deposits | 92,135,000 | 88,682,000 | 85,671,000 | 91,658,000 |
| Noninterest-bearing deposits | 11,566,000 | 13,882,000 | 10,609,000 | 11,030,000 |
| Equity capital | 10,568,000 | 10,372,000 | 10,492,000 | 10,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,754,000 | 3,351,000 | 4,921,000 | 6,490,000 |
| Interest expense | 695,000 | 1,299,000 | 1,813,000 | 2,249,000 |
| Net interest income | 1,059,000 | 2,052,000 | 3,108,000 | 4,241,000 |
| Noninterest income | 296,000 | 628,000 | 957,000 | 1,273,000 |
| Noninterest expense | 640,000 | 1,351,000 | 1,996,000 | 2,760,000 |
| Provision for loan losses | 14,000 | 22,000 | 33,000 | 63,000 |
| Pretax income | 701,000 | 1,307,000 | 2,036,000 | 2,691,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 697,000 | 1,303,000 | 2,032,000 | 2,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,292,000 | 10,304,000 | 10,373,000 | 10,368,000 |
| Total capital | 11,102,000 | 11,118,000 | 11,173,000 | 11,158,000 |
| Risk-weighted assets | 72,532,000 | 70,380,000 | 70,258,000 | 73,931,000 |
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