Call reports 2007
LAFAYETTE BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2007
What LAFAYETTE BANK AND TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 976,149,000 | 978,305,000 | 981,303,000 | 998,250,000 |
| Total loans | 624,847,000 | 631,786,000 | 635,659,000 | 620,224,000 |
| Allowance for loan losses | 6,364,000 | 6,659,000 | 6,480,000 | 6,259,000 |
| Securities available for sale | 199,568,000 | 203,373,000 | 201,310,000 | 189,494,000 |
| Securities held to maturity | 7,322,000 | 7,322,000 | 7,182,000 | 7,182,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 780,917,000 | 748,157,000 | 732,396,000 | 779,766,000 |
| Interest-bearing deposits | 686,756,000 | 652,133,000 | 642,542,000 | 671,612,000 |
| Noninterest-bearing deposits | 94,162,000 | 96,024,000 | 89,854,000 | 108,154,000 |
| Equity capital | 137,946,000 | 135,706,000 | 137,220,000 | 138,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 13,820,000 | 27,984,000 | 42,158,000 | 56,326,000 |
| Interest expense | 7,060,000 | 14,289,000 | 21,394,000 | 28,240,000 |
| Net interest income | 6,760,000 | 13,695,000 | 20,764,000 | 28,086,000 |
| Noninterest income | 2,079,000 | 4,069,000 | 6,684,000 | 8,767,000 |
| Noninterest expense | 5,199,000 | 10,480,000 | 15,834,000 | 21,436,000 |
| Provision for loan losses | 506,000 | 1,011,000 | 1,517,000 | 2,022,000 |
| Pretax income | 3,134,000 | 6,273,000 | 10,097,000 | 13,395,000 |
| Income tax | 809,000 | 1,620,000 | 2,691,000 | 3,598,000 |
| Net income | 2,325,000 | 4,653,000 | 7,406,000 | 9,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,992,000 | 73,218,000 | 73,603,000 | 73,433,000 |
| Total capital | 80,356,000 | 79,877,000 | 80,083,000 | 79,692,000 |
| Risk-weighted assets | 673,190,000 | 703,988,000 | 702,888,000 | 695,576,000 |