Call reports 2007
LAURENS STATE BANK — 2007
What LAURENS STATE BANK 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 | 52,771,000 | 57,793,000 | 57,137,000 | 58,146,000 |
| Total loans | 27,651,000 | 27,982,000 | 28,630,000 | 27,735,000 |
| Allowance for loan losses | 329,000 | 331,000 | 332,000 | 319,000 |
| Securities available for sale | 21,052,000 | 27,293,000 | 25,664,000 | 24,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,794,000 | 51,268,000 | 50,545,000 | 51,570,000 |
| Interest-bearing deposits | 40,721,000 | 46,147,000 | 45,037,000 | 45,091,000 |
| Noninterest-bearing deposits | 6,073,000 | 5,121,000 | 5,508,000 | 6,479,000 |
| Equity capital | 5,256,000 | 5,101,000 | 5,470,000 | 5,807,000 |
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 | 736,000 | 1,553,000 | 2,404,000 | 3,261,000 |
| Interest expense | 342,000 | 761,000 | 1,211,000 | 1,644,000 |
| Net interest income | 394,000 | 792,000 | 1,193,000 | 1,617,000 |
| Noninterest income | 84,000 | 162,000 | 242,000 | 347,000 |
| Noninterest expense | 306,000 | 617,000 | 942,000 | 1,295,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 172,000 | 337,000 | 493,000 | 669,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 33,000 |
| Net income | 164,000 | 321,000 | 469,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,433,000 | 5,491,000 | 5,590,000 | 5,759,000 |
| Total capital | 5,762,000 | 5,822,000 | 5,922,000 | 6,078,000 |
| Risk-weighted assets | 31,161,000 | 32,455,000 | 32,566,000 | 32,022,000 |
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