Call reports 2004
ST. LANDRY BANK AND TRUST COMPANY — 2004
What ST. LANDRY BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 236,606,000 | 225,860,000 | 224,200,000 | 218,610,000 |
| Total loans | 93,366,000 | 94,050,000 | 85,245,000 | 86,327,000 |
| Allowance for loan losses | 1,485,000 | 1,473,000 | 1,472,000 | 1,513,000 |
| Securities available for sale | 109,280,000 | 100,919,000 | 90,073,000 | 99,182,000 |
| Securities held to maturity | 1,252,000 | 6,226,000 | 6,139,000 | 5,884,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,039,000 | 192,417,000 | 191,234,000 | 186,188,000 |
| Interest-bearing deposits | 184,452,000 | 171,905,000 | 167,917,000 | 167,748,000 |
| Noninterest-bearing deposits | 18,587,000 | 20,512,000 | 23,317,000 | 18,440,000 |
| Equity capital | 30,883,000 | 30,693,000 | 31,181,000 | 31,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,941,000 | 3,845,000 | 5,754,000 | 7,676,000 |
| Interest expense | 375,000 | 722,000 | 1,069,000 | 1,443,000 |
| Net interest income | 1,566,000 | 3,123,000 | 4,685,000 | 6,233,000 |
| Noninterest income | 537,000 | 1,034,000 | 1,567,000 | 2,103,000 |
| Noninterest expense | 1,550,000 | 2,906,000 | 4,492,000 | 6,064,000 |
| Provision for loan losses | 0 | 0 | 0 | 81,000 |
| Pretax income | 553,000 | 1,244,000 | 1,753,000 | 2,184,000 |
| Income tax | 187,000 | 366,000 | 619,000 | 702,000 |
| Net income | 366,000 | 878,000 | 1,134,000 | 1,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,585,000 | 31,097,000 | 31,354,000 | 31,701,000 |
| Total capital | 32,070,000 | 32,570,000 | 32,798,000 | 33,147,000 |
| Risk-weighted assets | 123,463,000 | 122,197,000 | 115,479,000 | 115,647,000 |