Call reports 2008
LAURENS STATE BANK — 2008
What LAURENS STATE BANK 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 | 58,954,000 | 57,556,000 | 55,749,000 | 57,465,000 |
| Total loans | 26,387,000 | 28,091,000 | 28,879,000 | 28,840,000 |
| Allowance for loan losses | 236,000 | 237,000 | 238,000 | 252,000 |
| Securities available for sale | 23,613,000 | 24,769,000 | 20,953,000 | 19,811,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,420,000 | 51,223,000 | 49,380,000 | 50,414,000 |
| Interest-bearing deposits | 46,381,000 | 45,820,000 | 43,074,000 | 43,276,000 |
| Noninterest-bearing deposits | 6,039,000 | 5,403,000 | 6,306,000 | 7,138,000 |
| Equity capital | 5,773,000 | 5,546,000 | 5,650,000 | 6,321,000 |
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 | 822,000 | 1,639,000 | 2,481,000 | 3,270,000 |
| Interest expense | 390,000 | 758,000 | 1,066,000 | 1,340,000 |
| Net interest income | 432,000 | 881,000 | 1,415,000 | 1,930,000 |
| Noninterest income | 79,000 | 160,000 | 235,000 | 340,000 |
| Noninterest expense | 324,000 | 649,000 | 998,000 | 1,367,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 188,000 | 405,000 | 668,000 | 894,000 |
| Income tax | 12,000 | 20,000 | 32,000 | 44,000 |
| Net income | 176,000 | 385,000 | 636,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,572,000 | 5,682,000 | 5,883,000 | 6,099,000 |
| Total capital | 5,808,000 | 5,919,000 | 6,121,000 | 6,351,000 |
| Risk-weighted assets | 31,027,000 | 32,455,000 | 32,665,000 | 32,651,000 |
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