Call reports 2012
LAFAYETTE SAVINGS BANK, FEDERAL SAVINGS BANK — 2012
What LAFAYETTE SAVINGS BANK, FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 371,802,000 | 367,551,000 | 355,088,000 | 364,681,000 |
| Total loans | 300,801,000 | 296,364,000 | 296,071,000 | 287,554,000 |
| Allowance for loan losses | 5,305,000 | 5,268,000 | 5,482,000 | 5,900,000 |
| Securities available for sale | 16,225,000 | 23,676,000 | 25,796,000 | 27,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,224,000 | 311,362,000 | 300,628,000 | 309,791,000 |
| Interest-bearing deposits | 286,118,000 | 279,444,000 | 266,024,000 | 279,018,000 |
| Noninterest-bearing deposits | 30,106,000 | 31,918,000 | 34,604,000 | 30,773,000 |
| Equity capital | 36,374,000 | 37,015,000 | 38,042,000 | 38,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,178,000 | 8,107,000 | 11,981,000 | 15,659,000 |
| Interest expense | 910,000 | 1,764,000 | 2,532,000 | 3,231,000 |
| Net interest income | 3,268,000 | 6,343,000 | 9,449,000 | 12,428,000 |
| Noninterest income | 888,000 | 1,754,000 | 3,247,000 | 4,723,000 |
| Noninterest expense | 2,563,000 | 5,151,000 | 7,799,000 | 10,656,000 |
| Provision for loan losses | 600,000 | 1,100,000 | 1,600,000 | 2,100,000 |
| Pretax income | 993,000 | 1,846,000 | 3,297,000 | 4,395,000 |
| Income tax | 362,000 | 668,000 | 1,211,000 | 1,615,000 |
| Net income | 631,000 | 1,178,000 | 2,086,000 | 2,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,062,000 | 36,633,000 | 37,560,000 | 38,134,000 |
| Total capital | 39,375,000 | 40,002,000 | 40,947,000 | 41,401,000 |
| Risk-weighted assets | 266,184,000 | 267,650,000 | 268,883,000 | 258,729,000 |