Call reports 2009
LAMAR BANK AND TRUST COMPANY — 2009
What LAMAR BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 114,103,000 | 114,297,000 | 110,697,000 | 119,221,000 |
| Total loans | 84,571,000 | 81,915,000 | 81,554,000 | 87,760,000 |
| Allowance for loan losses | 804,000 | 826,000 | 834,000 | 852,000 |
| Securities available for sale | 10,368,000 | 10,307,000 | 11,943,000 | 11,240,000 |
| Securities held to maturity | 423,000 | 400,000 | 378,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,777,000 | 102,821,000 | 99,092,000 | 107,763,000 |
| Interest-bearing deposits | 91,583,000 | 90,388,000 | 87,658,000 | 96,301,000 |
| Noninterest-bearing deposits | 11,195,000 | 12,434,000 | 11,433,000 | 11,462,000 |
| Equity capital | 10,775,000 | 10,812,000 | 10,913,000 | 10,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,496,000 | 2,941,000 | 4,386,000 | 5,846,000 |
| Interest expense | 409,000 | 806,000 | 1,182,000 | 1,536,000 |
| Net interest income | 1,087,000 | 2,135,000 | 3,204,000 | 4,310,000 |
| Noninterest income | 268,000 | 574,000 | 907,000 | 1,238,000 |
| Noninterest expense | 659,000 | 1,407,000 | 2,169,000 | 2,950,000 |
| Provision for loan losses | 12,000 | 22,000 | 36,000 | 59,000 |
| Pretax income | 684,000 | 1,280,000 | 1,906,000 | 2,539,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 680,000 | 1,276,000 | 1,902,000 | 2,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,478,000 | 10,564,000 | 10,650,000 | 10,713,000 |
| Total capital | 11,282,000 | 11,390,000 | 11,484,000 | 11,565,000 |
| Risk-weighted assets | 74,021,000 | 72,570,000 | 72,093,000 | 78,308,000 |
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