Call reports 2010
LAURENS STATE BANK — 2010
What LAURENS STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 57,458,000 | 56,835,000 | 56,620,000 | 58,142,000 |
| Total loans | 28,033,000 | 28,089,000 | 28,023,000 | 25,500,000 |
| Allowance for loan losses | 200,000 | 215,000 | 221,000 | 354,000 |
| Securities available for sale | 18,158,000 | 20,273,000 | 19,282,000 | 23,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,616,000 | 49,618,000 | 49,392,000 | 51,808,000 |
| Interest-bearing deposits | 43,711,000 | 42,742,000 | 42,513,000 | 43,246,000 |
| Noninterest-bearing deposits | 6,905,000 | 6,876,000 | 6,879,000 | 8,562,000 |
| Equity capital | 6,358,000 | 6,599,000 | 6,734,000 | 5,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 684,000 | 1,381,000 | 2,036,000 | 2,682,000 |
| Interest expense | 159,000 | 309,000 | 451,000 | 584,000 |
| Net interest income | 525,000 | 1,072,000 | 1,585,000 | 2,098,000 |
| Noninterest income | 75,000 | 147,000 | 218,000 | 299,000 |
| Noninterest expense | 344,000 | 720,000 | 1,063,000 | 1,433,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 30,000 |
| Pretax income | 256,000 | 484,000 | 710,000 | 938,000 |
| Income tax | 13,000 | 24,000 | 35,000 | 46,000 |
| Net income | 243,000 | 460,000 | 675,000 | 892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,282,000 | 6,400,000 | 6,558,000 | 6,784,000 |
| Total capital | 6,482,000 | 6,615,000 | 6,779,000 | 7,138,000 |
| Risk-weighted assets | 32,793,000 | 32,705,000 | 32,765,000 | 31,257,000 |
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