Call reports 2007
LAONA STATE BANK — 2007
What LAONA STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 110,352,000 | 109,968,000 | 138,475,000 | 136,576,000 |
| Total loans | 68,882,000 | 70,026,000 | 90,006,000 | 90,335,000 |
| Allowance for loan losses | 938,000 | 885,000 | 967,000 | 971,000 |
| Securities available for sale | 31,610,000 | 31,084,000 | 32,564,000 | 32,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,388,000 | 94,065,000 | 120,457,000 | 118,461,000 |
| Interest-bearing deposits | 82,135,000 | 82,683,000 | 103,650,000 | 104,608,000 |
| Noninterest-bearing deposits | 12,253,000 | 11,382,000 | 16,807,000 | 13,853,000 |
| Equity capital | 10,337,000 | 10,288,000 | 12,172,000 | 12,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,559,000 | 3,232,000 | 5,321,000 | 7,347,000 |
| Interest expense | 840,000 | 1,720,000 | 2,793,000 | 3,863,000 |
| Net interest income | 719,000 | 1,512,000 | 2,528,000 | 3,484,000 |
| Noninterest income | 80,000 | 161,000 | 252,000 | 325,000 |
| Noninterest expense | 615,000 | 1,173,000 | 1,884,000 | 2,584,000 |
| Provision for loan losses | 15,000 | 30,000 | 182,000 | 197,000 |
| Pretax income | 169,000 | 470,000 | 714,000 | 1,028,000 |
| Income tax | 8,000 | 71,000 | 109,000 | 176,000 |
| Net income | 161,000 | 399,000 | 605,000 | 852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,360,000 | 10,599,000 | 10,698,000 | 10,778,000 |
| Total capital | 11,278,000 | 11,484,000 | 11,665,000 | 11,749,000 |
| Risk-weighted assets | 73,451,000 | 72,123,000 | 89,641,000 | 89,062,000 |
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