Call reports 2008
LAFAYETTE BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2008
What LAFAYETTE BANK AND TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,022,998,000 | 1,007,636,000 | 964,342,000 | 910,905,000 |
| Total loans | 624,982,000 | 645,777,000 | 647,047,000 | 611,546,000 |
| Allowance for loan losses | 6,700,000 | 6,812,000 | 8,072,000 | 9,439,000 |
| Securities available for sale | 177,777,000 | 157,908,000 | 134,721,000 | 135,371,000 |
| Securities held to maturity | 6,956,000 | 6,956,000 | 7,306,000 | 6,806,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 803,778,000 | 790,900,000 | 732,744,000 | 723,780,000 |
| Interest-bearing deposits | 701,840,000 | 686,466,000 | 629,151,000 | 612,530,000 |
| Noninterest-bearing deposits | 101,938,000 | 104,434,000 | 103,593,000 | 111,249,000 |
| Equity capital | 139,557,000 | 136,407,000 | 137,796,000 | 132,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 13,320,000 | 25,441,000 | 37,199,000 | 47,972,000 |
| Interest expense | 6,292,000 | 11,283,000 | 15,799,000 | 19,633,000 |
| Net interest income | 7,028,000 | 14,158,000 | 21,400,000 | 28,339,000 |
| Noninterest income | 1,814,000 | 3,619,000 | 5,690,000 | 7,051,000 |
| Noninterest expense | 5,197,000 | 10,254,000 | 15,547,000 | 21,372,000 |
| Provision for loan losses | 525,000 | 2,821,000 | 4,866,000 | 6,358,000 |
| Pretax income | 3,120,000 | 4,704,000 | 5,372,000 | 6,308,000 |
| Income tax | 888,000 | 1,215,000 | 1,126,000 | 1,295,000 |
| Net income | 2,232,000 | 3,489,000 | 4,246,000 | 5,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,249,000 | 74,029,000 | 74,697,000 | 75,917,000 |
| Total capital | 80,949,000 | 80,841,000 | 82,769,000 | 84,568,000 |
| Risk-weighted assets | 719,314,000 | 733,202,000 | 721,649,000 | 691,331,000 |