Call reports 2014
LAURENS STATE BANK — 2014
What LAURENS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 68,324,000 | 66,446,000 | 67,607,000 | 67,151,000 |
| Total loans | 25,678,000 | 26,821,000 | 28,089,000 | 28,628,000 |
| Allowance for loan losses | 415,000 | 415,000 | 387,000 | 361,000 |
| Securities available for sale | 34,398,000 | 33,402,000 | 32,030,000 | 28,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,427,000 | 59,809,000 | 60,651,000 | 59,468,000 |
| Interest-bearing deposits | 47,949,000 | 46,180,000 | 49,082,000 | 47,144,000 |
| Noninterest-bearing deposits | 14,478,000 | 13,629,000 | 11,569,000 | 12,324,000 |
| Equity capital | 5,468,000 | 6,190,000 | 6,470,000 | 7,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 518,000 | 1,038,000 | 1,622,000 | 2,176,000 |
| Interest expense | 46,000 | 93,000 | 140,000 | 186,000 |
| Net interest income | 472,000 | 945,000 | 1,482,000 | 1,990,000 |
| Noninterest income | 71,000 | 151,000 | 181,000 | 262,000 |
| Noninterest expense | 338,000 | 705,000 | 1,059,000 | 1,396,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 205,000 | 391,000 | 604,000 | 856,000 |
| Income tax | 10,000 | 16,000 | 29,000 | 42,000 |
| Net income | 195,000 | 375,000 | 575,000 | 814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,885,000 | 6,966,000 | 7,117,000 | 7,356,000 |
| Total capital | 7,293,000 | 7,381,000 | 7,504,000 | 7,717,000 |
| Risk-weighted assets | 32,585,000 | 33,568,000 | 34,974,000 | 33,981,000 |
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