Call reports 2003
LAFAYETTE BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2003
What LAFAYETTE BANK AND TRUST COMPANY, NATIONAL ASSOCIATION 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 | 841,241,000 | 871,336,000 | 864,984,000 | 883,800,000 |
| Total loans | 596,917,000 | 623,598,000 | 636,408,000 | 628,057,000 |
| Allowance for loan losses | 6,943,000 | 6,807,000 | 6,483,000 | 5,419,000 |
| Securities available for sale | 102,518,000 | 109,058,000 | 95,238,000 | 118,393,000 |
| Securities held to maturity | 3,696,000 | 3,691,000 | 3,690,000 | 3,687,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 614,134,000 | 639,289,000 | 637,845,000 | 655,415,000 |
| Interest-bearing deposits | 536,141,000 | 553,805,000 | 559,725,000 | 560,247,000 |
| Noninterest-bearing deposits | 77,993,000 | 85,484,000 | 78,120,000 | 95,168,000 |
| Equity capital | 134,803,000 | 132,307,000 | 135,257,000 | 136,305,000 |
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 | 10,603,000 | 21,307,000 | 32,008,000 | 42,748,000 |
| Interest expense | 3,075,000 | 6,065,000 | 9,274,000 | 12,432,000 |
| Net interest income | 7,528,000 | 15,242,000 | 22,734,000 | 30,316,000 |
| Noninterest income | 5,890,000 | 8,712,000 | 10,662,000 | 11,452,000 |
| Noninterest expense | 5,682,000 | 11,458,000 | 17,268,000 | 22,923,000 |
| Provision for loan losses | 425,000 | 740,000 | 740,000 | 740,000 |
| Pretax income | 7,311,000 | 11,805,000 | 15,694,000 | 18,411,000 |
| Income tax | 2,498,000 | 3,993,000 | 5,160,000 | 5,901,000 |
| Net income | 4,813,000 | 7,812,000 | 10,534,000 | 12,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,322,000 | 59,303,000 | 62,160,000 | 64,982,000 |
| Total capital | 68,302,000 | 66,137,000 | 68,643,000 | 70,401,000 |
| Risk-weighted assets | 596,839,000 | 625,483,000 | 625,824,000 | 622,066,000 |