Call reports 2013
LAURENS STATE BANK — 2013
What LAURENS STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 73,745,000 | 69,889,000 | 64,352,000 | 64,688,000 |
| Total loans | 24,026,000 | 23,925,000 | 25,441,000 | 26,862,000 |
| Allowance for loan losses | 415,000 | 415,000 | 415,000 | 415,000 |
| Securities available for sale | 36,525,000 | 35,124,000 | 34,682,000 | 33,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,630,000 | 63,565,000 | 59,234,000 | 58,961,000 |
| Interest-bearing deposits | 53,814,000 | 50,203,000 | 46,311,000 | 44,663,000 |
| Noninterest-bearing deposits | 12,816,000 | 13,362,000 | 12,923,000 | 14,298,000 |
| Equity capital | 6,706,000 | 5,914,000 | 4,677,000 | 4,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 511,000 | 1,011,000 | 1,533,000 | 2,074,000 |
| Interest expense | 57,000 | 110,000 | 162,000 | 210,000 |
| Net interest income | 454,000 | 901,000 | 1,371,000 | 1,864,000 |
| Noninterest income | 81,000 | 204,000 | 279,000 | 361,000 |
| Noninterest expense | 348,000 | 735,000 | 1,091,000 | 1,472,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 187,000 | 371,000 | 560,000 | 754,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 37,000 |
| Net income | 178,000 | 353,000 | 533,000 | 717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,811,000 | 6,811,000 | 6,904,000 | 7,091,000 |
| Total capital | 7,226,000 | 7,197,000 | 7,312,000 | 7,506,000 |
| Risk-weighted assets | 33,445,000 | 30,818,000 | 32,597,000 | 34,263,000 |