Call reports 2006
LAFAYETTE BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2006
What LAFAYETTE BANK AND TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 926,091,000 | 965,295,000 | 981,672,000 | 992,186,000 |
| Total loans | 612,022,000 | 645,053,000 | 656,288,000 | 644,527,000 |
| Allowance for loan losses | 5,874,000 | 6,081,000 | 6,751,000 | 6,460,000 |
| Securities available for sale | 184,782,000 | 186,076,000 | 190,458,000 | 190,726,000 |
| Securities held to maturity | 8,576,000 | 8,502,000 | 7,536,000 | 7,536,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 673,380,000 | 687,357,000 | 752,208,000 | 780,630,000 |
| Interest-bearing deposits | 579,313,000 | 596,580,000 | 661,781,000 | 683,091,000 |
| Noninterest-bearing deposits | 94,068,000 | 90,777,000 | 90,427,000 | 97,539,000 |
| Equity capital | 134,248,000 | 133,170,000 | 136,706,000 | 138,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 12,513,000 | 25,691,000 | 39,758,000 | 53,697,000 |
| Interest expense | 5,361,000 | 11,386,000 | 18,393,000 | 25,608,000 |
| Net interest income | 7,152,000 | 14,305,000 | 21,365,000 | 28,089,000 |
| Noninterest income | 1,488,000 | 2,832,000 | 4,675,000 | 6,580,000 |
| Noninterest expense | 5,362,000 | 10,569,000 | 15,914,000 | 21,326,000 |
| Provision for loan losses | 540,000 | 1,330,000 | 1,795,000 | 2,235,000 |
| Pretax income | 2,738,000 | 5,238,000 | 8,331,000 | 11,108,000 |
| Income tax | 673,000 | 1,278,000 | 2,078,000 | 2,758,000 |
| Net income | 2,065,000 | 3,960,000 | 6,253,000 | 8,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,469,000 | 68,765,000 | 71,108,000 | 72,646,000 |
| Total capital | 74,343,000 | 74,846,000 | 77,859,000 | 79,106,000 |
| Risk-weighted assets | 646,991,000 | 673,625,000 | 688,151,000 | 681,732,000 |