Call reports 2012
LAURENS STATE BANK — 2012
What LAURENS STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 64,429,000 | 67,336,000 | 71,664,000 | 72,712,000 |
| Total loans | 25,705,000 | 25,054,000 | 25,726,000 | 26,016,000 |
| Allowance for loan losses | 368,000 | 355,000 | 355,000 | 415,000 |
| Securities available for sale | 25,623,000 | 22,437,000 | 30,751,000 | 34,103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,255,000 | 60,054,000 | 64,413,000 | 65,089,000 |
| Interest-bearing deposits | 47,178,000 | 48,432,000 | 52,185,000 | 51,213,000 |
| Noninterest-bearing deposits | 10,077,000 | 11,622,000 | 12,228,000 | 13,876,000 |
| Equity capital | 6,744,000 | 6,852,000 | 6,817,000 | 7,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 537,000 | 1,078,000 | 1,604,000 | 2,185,000 |
| Interest expense | 92,000 | 174,000 | 243,000 | 306,000 |
| Net interest income | 445,000 | 904,000 | 1,361,000 | 1,879,000 |
| Noninterest income | 84,000 | 165,000 | 253,000 | 359,000 |
| Noninterest expense | 318,000 | 652,000 | 976,000 | 1,368,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 212,000 | 419,000 | 643,000 | 875,000 |
| Income tax | 11,000 | 24,000 | 32,000 | 43,000 |
| Net income | 201,000 | 395,000 | 611,000 | 832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,638,000 | 6,682,000 | 6,798,000 | 7,021,000 |
| Total capital | 7,006,000 | 7,037,000 | 7,153,000 | 7,436,000 |
| Risk-weighted assets | 32,313,000 | 32,378,000 | 34,231,000 | 34,583,000 |