Call reports 2008
LAONA STATE BANK — 2008
What LAONA STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 136,233,000 | 134,696,000 | 138,761,000 | 135,650,000 |
| Total loans | 88,559,000 | 91,898,000 | 95,199,000 | 96,877,000 |
| Allowance for loan losses | 1,000,000 | 997,000 | 978,000 | 980,000 |
| Securities available for sale | 35,375,000 | 34,546,000 | 34,105,000 | 26,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,541,000 | 116,248,000 | 119,524,000 | 121,409,000 |
| Interest-bearing deposits | 103,640,000 | 101,873,000 | 103,693,000 | 108,673,000 |
| Noninterest-bearing deposits | 13,901,000 | 14,375,000 | 15,831,000 | 12,736,000 |
| Equity capital | 12,935,000 | 12,767,000 | 13,154,000 | 13,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,132,000 | 4,096,000 | 6,041,000 | 7,850,000 |
| Interest expense | 1,021,000 | 1,949,000 | 2,841,000 | 3,659,000 |
| Net interest income | 1,111,000 | 2,147,000 | 3,200,000 | 4,191,000 |
| Noninterest income | 75,000 | 169,000 | 263,000 | 368,000 |
| Noninterest expense | 725,000 | 1,473,000 | 2,192,000 | 2,899,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 446,000 | 813,000 | 1,226,000 | 1,600,000 |
| Income tax | 111,000 | 177,000 | 267,000 | 367,000 |
| Net income | 335,000 | 636,000 | 959,000 | 1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,128,000 | 11,443,000 | 11,781,000 | 11,873,000 |
| Total capital | 12,128,000 | 12,440,000 | 12,759,000 | 12,853,000 |
| Risk-weighted assets | 88,962,000 | 90,053,000 | 93,701,000 | 93,638,000 |
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