Call reports 2004
LAFAYETTE BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2004
What LAFAYETTE BANK AND TRUST COMPANY, NATIONAL ASSOCIATION 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 | 865,053,000 | 891,958,000 | 905,249,000 | 921,770,000 |
| Total loans | 593,729,000 | 605,704,000 | 614,731,000 | 622,828,000 |
| Allowance for loan losses | 5,489,000 | 5,451,000 | 5,067,000 | 4,930,000 |
| Securities available for sale | 124,745,000 | 154,510,000 | 164,740,000 | 170,472,000 |
| Securities held to maturity | 3,485,000 | 3,417,000 | 3,229,000 | 3,229,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 642,629,000 | 639,557,000 | 666,067,000 | 664,357,000 |
| Interest-bearing deposits | 559,604,000 | 561,055,000 | 585,335,000 | 563,263,000 |
| Noninterest-bearing deposits | 83,025,000 | 78,502,000 | 80,732,000 | 101,093,000 |
| Equity capital | 137,426,000 | 132,715,000 | 135,259,000 | 137,795,000 |
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 | 10,358,000 | 20,404,000 | 31,117,000 | 42,156,000 |
| Interest expense | 3,331,000 | 6,585,000 | 10,048,000 | 13,632,000 |
| Net interest income | 7,027,000 | 13,819,000 | 21,069,000 | 28,524,000 |
| Noninterest income | 1,497,000 | 3,049,000 | 4,387,000 | 5,892,000 |
| Noninterest expense | 5,396,000 | 11,037,000 | 16,783,000 | 22,830,000 |
| Provision for loan losses | 406,000 | 1,410,000 | 1,958,000 | 2,209,000 |
| Pretax income | 2,758,000 | 4,765,000 | 7,391,000 | 10,053,000 |
| Income tax | 794,000 | 1,310,000 | 1,958,000 | 2,674,000 |
| Net income | 1,964,000 | 3,455,000 | 5,433,000 | 7,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,162,000 | 62,052,000 | 63,453,000 | 67,028,000 |
| Total capital | 69,651,000 | 67,503,000 | 68,520,000 | 71,962,000 |
| Risk-weighted assets | 596,423,000 | 615,417,000 | 633,442,000 | 633,765,000 |