Call reports 2013
LAFAYETTE SAVINGS BANK, FEDERAL SAVINGS BANK — 2013
What LAFAYETTE SAVINGS BANK, FEDERAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 361,794,000 | 365,851,000 | 355,269,000 | 368,082,000 |
| Total loans | 281,447,000 | 274,852,000 | 261,190,000 | 262,369,000 |
| Allowance for loan losses | 6,062,000 | 6,346,000 | 6,406,000 | 6,348,000 |
| Securities available for sale | 37,998,000 | 47,780,000 | 50,337,000 | 62,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,968,000 | 314,956,000 | 303,856,000 | 316,106,000 |
| Interest-bearing deposits | 278,852,000 | 279,029,000 | 269,576,000 | 280,562,000 |
| Noninterest-bearing deposits | 32,116,000 | 35,927,000 | 34,280,000 | 35,544,000 |
| Equity capital | 39,263,000 | 39,395,000 | 39,728,000 | 40,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,622,000 | 7,083,000 | 10,462,000 | 13,723,000 |
| Interest expense | 647,000 | 1,244,000 | 1,819,000 | 2,363,000 |
| Net interest income | 2,975,000 | 5,839,000 | 8,643,000 | 11,360,000 |
| Noninterest income | 1,110,000 | 2,242,000 | 3,137,000 | 3,838,000 |
| Noninterest expense | 2,577,000 | 5,250,000 | 7,779,000 | 10,339,000 |
| Provision for loan losses | 400,000 | 625,000 | 650,000 | 650,000 |
| Pretax income | 1,108,000 | 2,206,000 | 3,351,000 | 4,209,000 |
| Income tax | 413,000 | 805,000 | 1,226,000 | 1,540,000 |
| Net income | 695,000 | 1,401,000 | 2,125,000 | 2,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,826,000 | 39,539,000 | 39,875,000 | 40,431,000 |
| Total capital | 42,109,000 | 42,845,000 | 43,014,000 | 43,604,000 |
| Risk-weighted assets | 259,869,000 | 261,416,000 | 247,849,000 | 250,671,000 |