Call reports 2005
LAMAR NATIONAL BANK — 2005
What LAMAR NATIONAL BANK 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 | 107,905,000 | 102,972,000 | 97,589,000 | 98,818,000 |
| Total loans | 54,617,000 | 57,059,000 | 57,211,000 | 56,196,000 |
| Allowance for loan losses | 517,000 | 525,000 | 533,000 | 518,000 |
| Securities available for sale | 29,605,000 | 27,844,000 | 27,701,000 | 27,490,000 |
| Securities held to maturity | 183,000 | 166,000 | 99,000 | 96,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,683,000 | 91,856,000 | 86,886,000 | 88,477,000 |
| Interest-bearing deposits | 80,310,000 | 73,822,000 | 69,483,000 | 69,612,000 |
| Noninterest-bearing deposits | 17,373,000 | 18,034,000 | 17,403,000 | 18,865,000 |
| Equity capital | 9,598,000 | 9,977,000 | 10,304,000 | 9,715,000 |
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 | 1,275,000 | 2,571,000 | 3,885,000 | 5,184,000 |
| Interest expense | 322,000 | 662,000 | 978,000 | 1,312,000 |
| Net interest income | 953,000 | 1,909,000 | 2,907,000 | 3,872,000 |
| Noninterest income | 408,000 | 630,000 | 879,000 | 1,125,000 |
| Noninterest expense | 880,000 | 1,595,000 | 2,327,000 | 3,112,000 |
| Provision for loan losses | 3,000 | 14,000 | 47,000 | 55,000 |
| Pretax income | 478,000 | 930,000 | 1,412,000 | 1,830,000 |
| Income tax | 159,000 | 308,000 | 468,000 | 604,000 |
| Net income | 319,000 | 622,000 | 944,000 | 1,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,859,000 | 10,163,000 | 10,484,000 | 9,994,000 |
| Total capital | 10,375,000 | 10,688,000 | 11,017,000 | 10,512,000 |
| Risk-weighted assets | 50,255,000 | 50,795,000 | 49,218,000 | 49,759,000 |