Call reports 2005
LAFAYETTE BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2005
What LAFAYETTE BANK AND TRUST COMPANY, NATIONAL ASSOCIATION 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 | 911,104,000 | 912,677,000 | 934,685,000 | 923,531,000 |
| Total loans | 606,803,000 | 607,466,000 | 607,390,000 | 609,485,000 |
| Allowance for loan losses | 6,028,000 | 6,451,000 | 6,546,000 | 6,294,000 |
| Securities available for sale | 167,029,000 | 178,001,000 | 185,117,000 | 185,713,000 |
| Securities held to maturity | 2,735,000 | 2,355,000 | 9,810,000 | 9,486,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 682,597,000 | 677,834,000 | 703,886,000 | 666,684,000 |
| Interest-bearing deposits | 580,662,000 | 589,307,000 | 602,236,000 | 571,068,000 |
| Noninterest-bearing deposits | 101,935,000 | 88,526,000 | 101,649,000 | 95,617,000 |
| Equity capital | 136,379,000 | 137,034,000 | 136,569,000 | 134,332,000 |
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 | 10,919,000 | 22,391,000 | 34,487,000 | 46,839,000 |
| Interest expense | 3,648,000 | 7,691,000 | 12,285,000 | 17,308,000 |
| Net interest income | 7,271,000 | 14,700,000 | 22,202,000 | 29,531,000 |
| Noninterest income | 1,459,000 | 3,187,000 | 4,733,000 | 6,338,000 |
| Noninterest expense | 5,238,000 | 11,005,000 | 16,521,000 | 21,896,000 |
| Provision for loan losses | 1,344,000 | 2,065,000 | 2,740,000 | 3,190,000 |
| Pretax income | 2,148,000 | 4,815,000 | 7,688,000 | 10,797,000 |
| Income tax | 479,000 | 1,159,000 | 1,899,000 | 2,721,000 |
| Net income | 1,669,000 | 3,656,000 | 5,789,000 | 8,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,598,000 | 67,766,000 | 68,234,000 | 67,794,000 |
| Total capital | 73,630,000 | 74,217,000 | 74,780,000 | 74,088,000 |
| Risk-weighted assets | 617,444,000 | 620,321,000 | 637,469,000 | 644,596,000 |