Call reports 2003
LAMAR NATIONAL BANK — 2003
What LAMAR NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 100,421,000 | 95,981,000 | 97,072,000 | 95,091,000 |
| Total loans | 49,177,000 | 49,755,000 | 51,480,000 | 53,484,000 |
| Allowance for loan losses | 498,000 | 484,000 | 494,000 | 505,000 |
| Securities available for sale | 24,665,000 | 24,682,000 | 25,587,000 | 24,502,000 |
| Securities held to maturity | 404,000 | 356,000 | 301,000 | 281,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,845,000 | 86,182,000 | 87,242,000 | 85,971,000 |
| Interest-bearing deposits | 75,749,000 | 71,339,000 | 70,764,000 | 69,181,000 |
| Noninterest-bearing deposits | 15,096,000 | 14,843,000 | 16,478,000 | 16,790,000 |
| Equity capital | 9,071,000 | 9,357,000 | 9,534,000 | 8,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,308,000 | 2,594,000 | 3,842,000 | 5,102,000 |
| Interest expense | 352,000 | 694,000 | 990,000 | 1,238,000 |
| Net interest income | 956,000 | 1,900,000 | 2,852,000 | 3,864,000 |
| Noninterest income | 231,000 | 466,000 | 697,000 | 907,000 |
| Noninterest expense | 716,000 | 1,423,000 | 2,126,000 | 2,889,000 |
| Provision for loan losses | 15,000 | 30,000 | 55,000 | 87,000 |
| Pretax income | 456,000 | 913,000 | 1,368,000 | 1,795,000 |
| Income tax | 152,000 | 303,000 | 456,000 | 607,000 |
| Net income | 304,000 | 610,000 | 912,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,790,000 | 9,094,000 | 9,398,000 | 8,861,000 |
| Total capital | 9,288,000 | 9,577,000 | 9,892,000 | 9,365,000 |
| Risk-weighted assets | 51,195,000 | 50,523,000 | 51,097,000 | 46,220,000 |