Call reports 2008
LAMAR NATIONAL BANK — 2008
What LAMAR NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 108,546,000 | 107,289,000 | 105,469,000 | 110,035,000 |
| Total loans | 58,929,000 | 58,652,000 | 56,534,000 | 58,445,000 |
| Allowance for loan losses | 577,000 | 567,000 | 553,000 | 558,000 |
| Securities available for sale | 33,139,000 | 36,738,000 | 39,051,000 | 37,444,000 |
| Securities held to maturity | 4,000 | 4,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,079,000 | 94,027,000 | 92,022,000 | 97,033,000 |
| Interest-bearing deposits | 79,416,000 | 77,166,000 | 73,534,000 | 78,076,000 |
| Noninterest-bearing deposits | 15,663,000 | 16,861,000 | 18,488,000 | 18,957,000 |
| Equity capital | 12,004,000 | 11,752,000 | 12,370,000 | 11,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,581,000 | 3,173,000 | 4,726,000 | 6,265,000 |
| Interest expense | 555,000 | 1,071,000 | 1,532,000 | 1,979,000 |
| Net interest income | 1,026,000 | 2,102,000 | 3,194,000 | 4,286,000 |
| Noninterest income | 254,000 | 498,000 | 761,000 | 1,003,000 |
| Noninterest expense | 829,000 | 1,639,000 | 2,455,000 | 3,322,000 |
| Provision for loan losses | 0 | 9,000 | 19,000 | 24,000 |
| Pretax income | 451,000 | 952,000 | 1,481,000 | 1,943,000 |
| Income tax | 136,000 | 285,000 | 443,000 | 591,000 |
| Net income | 315,000 | 667,000 | 1,038,000 | 1,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,520,000 | 11,871,000 | 12,243,000 | 11,274,000 |
| Total capital | 12,097,000 | 12,438,000 | 12,796,000 | 11,832,000 |
| Risk-weighted assets | 56,482,000 | 55,792,000 | 53,827,000 | 55,511,000 |