Call reports 2005
ST. LANDRY BANK AND TRUST COMPANY — 2005
What ST. LANDRY BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 227,021,000 | 219,895,000 | 229,164,000 | 224,394,000 |
| Total loans | 83,182,000 | 82,769,000 | 82,348,000 | 83,544,000 |
| Allowance for loan losses | 1,513,000 | 1,513,000 | 1,513,000 | 1,513,000 |
| Securities available for sale | 98,753,000 | 99,072,000 | 94,029,000 | 92,360,000 |
| Securities held to maturity | 10,860,000 | 10,792,000 | 12,928,000 | 17,922,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,152,000 | 186,091,000 | 196,042,000 | 196,202,000 |
| Interest-bearing deposits | 174,127,000 | 160,815,000 | 175,303,000 | 175,450,000 |
| Noninterest-bearing deposits | 20,025,000 | 25,276,000 | 20,739,000 | 20,752,000 |
| Equity capital | 31,323,000 | 32,125,000 | 31,278,000 | 26,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,032,000 | 4,137,000 | 6,245,000 | 8,513,000 |
| Interest expense | 359,000 | 733,000 | 1,124,000 | 1,558,000 |
| Net interest income | 1,673,000 | 3,404,000 | 5,121,000 | 6,955,000 |
| Noninterest income | 548,000 | 993,000 | 1,405,000 | 1,885,000 |
| Noninterest expense | 1,480,000 | 2,897,000 | 4,422,000 | 6,153,000 |
| Provision for loan losses | 4,000 | 20,000 | 40,000 | 89,000 |
| Pretax income | 737,000 | 1,480,000 | 2,064,000 | 2,598,000 |
| Income tax | 229,000 | 481,000 | 771,000 | 903,000 |
| Net income | 508,000 | 999,000 | 1,293,000 | 1,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,209,000 | 32,700,000 | 31,841,000 | 27,444,000 |
| Total capital | 33,639,000 | 34,109,000 | 33,263,000 | 28,866,000 |
| Risk-weighted assets | 114,302,000 | 112,628,000 | 113,638,000 | 113,638,000 |