Call reports 2013
LAONA STATE BANK — 2013
What LAONA STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 157,476,000 | 156,483,000 | 159,560,000 | 160,429,000 |
| Total loans | 96,389,000 | 95,274,000 | 95,995,000 | 94,670,000 |
| Allowance for loan losses | 1,524,000 | 1,507,000 | 1,303,000 | 1,186,000 |
| Securities available for sale | 45,232,000 | 44,057,000 | 44,789,000 | 44,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,834,000 | 138,887,000 | 141,879,000 | 142,772,000 |
| Interest-bearing deposits | 122,448,000 | 119,703,000 | 121,914,000 | 124,069,000 |
| Noninterest-bearing deposits | 17,386,000 | 19,184,000 | 19,965,000 | 18,703,000 |
| Equity capital | 17,192,000 | 16,968,000 | 17,144,000 | 17,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,455,000 | 2,928,000 | 4,394,000 | 5,874,000 |
| Interest expense | 303,000 | 582,000 | 835,000 | 1,065,000 |
| Net interest income | 1,152,000 | 2,346,000 | 3,559,000 | 4,809,000 |
| Noninterest income | 105,000 | 196,000 | 196,000 | 250,000 |
| Noninterest expense | 791,000 | 1,568,000 | 2,392,000 | 3,347,000 |
| Provision for loan losses | 75,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 391,000 | 854,000 | 1,243,000 | 1,592,000 |
| Income tax | 72,000 | 174,000 | 248,000 | 319,000 |
| Net income | 319,000 | 680,000 | 995,000 | 1,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,173,000 | 15,549,000 | 15,879,000 | 15,998,000 |
| Total capital | 16,405,000 | 16,782,000 | 17,133,000 | 17,184,000 |
| Risk-weighted assets | 98,293,000 | 98,377,000 | 100,231,000 | 97,740,000 |
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