Call reports 2019
LAURENS STATE BANK — 2019
What LAURENS STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 68,744,000 | 68,076,000 | 68,177,000 | 71,968,000 |
| Total loans | 28,491,000 | 28,273,000 | 28,144,000 | 27,893,000 |
| Allowance for loan losses | 352,000 | 349,000 | 349,000 | 347,000 |
| Securities available for sale | 24,534,000 | 23,587,000 | 22,836,000 | 23,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,152,000 | 59,209,000 | 59,157,000 | 62,657,000 |
| Interest-bearing deposits | 48,705,000 | 47,256,000 | 47,407,000 | 49,452,000 |
| Noninterest-bearing deposits | 11,447,000 | 11,953,000 | 11,750,000 | 13,205,000 |
| Equity capital | 7,908,000 | 8,141,000 | 8,272,000 | 8,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 587,000 | 1,168,000 | 1,752,000 | 2,333,000 |
| Interest expense | 79,000 | 162,000 | 247,000 | 333,000 |
| Net interest income | 508,000 | 1,006,000 | 1,505,000 | 2,000,000 |
| Noninterest income | 54,000 | 107,000 | 160,000 | 247,000 |
| Noninterest expense | 350,000 | 664,000 | 1,013,000 | 1,347,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 451,000 | 654,000 | 981,000 |
| Income tax | 8,000 | 17,000 | 29,000 | 39,000 |
| Net income | 203,000 | 434,000 | 625,000 | 942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,059,000 | 8,108,000 | 8,209,000 | 8,526,000 |
| Total capital | 8,411,000 | 8,457,000 | 8,558,000 | 8,873,000 |
| Risk-weighted assets | 34,062,000 | 33,632,000 | 33,337,000 | 34,203,000 |