Call reports 2009
LAONA STATE BANK — 2009
What LAONA STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 136,954,000 | 138,726,000 | 143,496,000 | 145,747,000 |
| Total loans | 95,399,000 | 95,753,000 | 95,924,000 | 98,533,000 |
| Allowance for loan losses | 924,000 | 869,000 | 939,000 | 1,182,000 |
| Securities available for sale | 27,936,000 | 27,146,000 | 35,671,000 | 33,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,532,000 | 124,254,000 | 128,516,000 | 130,929,000 |
| Interest-bearing deposits | 109,117,000 | 109,398,000 | 113,382,000 | 116,715,000 |
| Noninterest-bearing deposits | 13,415,000 | 14,856,000 | 15,134,000 | 14,214,000 |
| Equity capital | 13,768,000 | 13,798,000 | 14,366,000 | 14,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,742,000 | 3,470,000 | 5,174,000 | 6,902,000 |
| Interest expense | 788,000 | 1,555,000 | 2,309,000 | 3,027,000 |
| Net interest income | 954,000 | 1,915,000 | 2,865,000 | 3,875,000 |
| Noninterest income | 87,000 | 169,000 | 237,000 | 350,000 |
| Noninterest expense | 734,000 | 1,564,000 | 2,369,000 | 3,227,000 |
| Provision for loan losses | 55,000 | 130,000 | 205,000 | 480,000 |
| Pretax income | 252,000 | 390,000 | 528,000 | 518,000 |
| Income tax | 35,000 | 21,000 | 9,000 | -74,000 |
| Net income | 217,000 | 369,000 | 519,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,104,000 | 12,271,000 | 12,435,000 | 12,354,000 |
| Total capital | 13,028,000 | 13,140,000 | 13,374,000 | 13,536,000 |
| Risk-weighted assets | 93,323,000 | 93,744,000 | 94,284,000 | 98,609,000 |
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