Call reports 2004
LAMAR NATIONAL BANK — 2004
What LAMAR NATIONAL BANK 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 | 106,504,000 | 103,384,000 | 101,895,000 | 105,017,000 |
| Total loans | 52,805,000 | 53,997,000 | 54,357,000 | 53,901,000 |
| Allowance for loan losses | 502,000 | 499,000 | 515,000 | 519,000 |
| Securities available for sale | 25,617,000 | 24,110,000 | 26,347,000 | 27,685,000 |
| Securities held to maturity | 267,000 | 198,000 | 196,000 | 193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,759,000 | 93,412,000 | 91,446,000 | 95,247,000 |
| Interest-bearing deposits | 80,172,000 | 77,692,000 | 75,206,000 | 76,283,000 |
| Noninterest-bearing deposits | 16,587,000 | 15,720,000 | 16,240,000 | 18,964,000 |
| Equity capital | 9,305,000 | 9,567,000 | 10,003,000 | 9,397,000 |
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 | 1,223,000 | 2,424,000 | 3,640,000 | 4,861,000 |
| Interest expense | 266,000 | 536,000 | 791,000 | 1,058,000 |
| Net interest income | 957,000 | 1,888,000 | 2,849,000 | 3,803,000 |
| Noninterest income | 240,000 | 461,000 | 746,000 | 956,000 |
| Noninterest expense | 716,000 | 1,430,000 | 2,194,000 | 2,961,000 |
| Provision for loan losses | 0 | 3,000 | 21,000 | 30,000 |
| Pretax income | 481,000 | 916,000 | 1,380,000 | 1,768,000 |
| Income tax | 162,000 | 305,000 | 451,000 | 570,000 |
| Net income | 319,000 | 611,000 | 929,000 | 1,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,181,000 | 9,725,000 | 10,044,000 | 9,540,000 |
| Total capital | 9,683,000 | 10,224,000 | 10,559,000 | 10,059,000 |
| Risk-weighted assets | 48,271,000 | 52,658,000 | 52,645,000 | 49,283,000 |