Call reports 2015
LAURENS STATE BANK — 2015
What LAURENS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 68,209,000 | 64,732,000 | 64,233,000 | 66,620,000 |
| Total loans | 28,130,000 | 28,135,000 | 28,464,000 | 29,822,000 |
| Allowance for loan losses | 359,000 | 361,000 | 361,000 | 362,000 |
| Securities available for sale | 26,269,000 | 24,068,000 | 19,295,000 | 21,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,479,000 | 57,316,000 | 56,337,000 | 58,621,000 |
| Interest-bearing deposits | 47,348,000 | 45,481,000 | 43,964,000 | 45,517,000 |
| Noninterest-bearing deposits | 13,131,000 | 11,835,000 | 12,373,000 | 13,104,000 |
| Equity capital | 7,257,000 | 6,932,000 | 7,390,000 | 7,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 513,000 | 1,029,000 | 1,545,000 | 2,042,000 |
| Interest expense | 45,000 | 90,000 | 130,000 | 171,000 |
| Net interest income | 468,000 | 939,000 | 1,415,000 | 1,871,000 |
| Noninterest income | 59,000 | 86,000 | 144,000 | 212,000 |
| Noninterest expense | 337,000 | 642,000 | 961,000 | 1,293,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 190,000 | 383,000 | 598,000 | 790,000 |
| Income tax | 9,000 | 17,000 | 23,000 | 31,000 |
| Net income | 181,000 | 366,000 | 575,000 | 759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,161,000 | 7,196,000 | 7,318,000 | 7,502,000 |
| Total capital | 7,520,000 | 7,557,000 | 7,679,000 | 7,864,000 |
| Risk-weighted assets | 33,238,000 | 32,176,000 | 32,202,000 | 34,328,000 |