Call reports 2016
LAURENS STATE BANK — 2016
What LAURENS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 65,099,000 | 64,262,000 | 64,678,000 | 65,736,000 |
| Total loans | 28,967,000 | 29,170,000 | 29,623,000 | 29,312,000 |
| Allowance for loan losses | 362,000 | 360,000 | 353,000 | 353,000 |
| Securities available for sale | 20,708,000 | 19,208,000 | 16,285,000 | 22,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,092,000 | 56,038,000 | 56,365,000 | 57,834,000 |
| Interest-bearing deposits | 45,893,000 | 45,038,000 | 44,809,000 | 45,466,000 |
| Noninterest-bearing deposits | 11,199,000 | 11,000,000 | 11,556,000 | 12,368,000 |
| Equity capital | 7,514,000 | 7,694,000 | 7,764,000 | 7,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 527,000 | 1,040,000 | 1,551,000 | 2,058,000 |
| Interest expense | 40,000 | 79,000 | 120,000 | 160,000 |
| Net interest income | 487,000 | 961,000 | 1,431,000 | 1,898,000 |
| Noninterest income | 59,000 | 112,000 | 167,000 | 228,000 |
| Noninterest expense | 345,000 | 652,000 | 978,000 | 1,312,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 201,000 | 421,000 | 620,000 | 814,000 |
| Income tax | 8,000 | 17,000 | 24,000 | 32,000 |
| Net income | 193,000 | 404,000 | 596,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,307,000 | 7,362,000 | 7,478,000 | 7,664,000 |
| Total capital | 7,669,000 | 7,722,000 | 7,831,000 | 8,017,000 |
| Risk-weighted assets | 33,394,000 | 33,200,000 | 33,267,000 | 34,425,000 |