Call reports 2004
SOUTH LOUISIANA BANK — 2004
What SOUTH LOUISIANA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 204,010,000 | 205,612,000 | 209,155,000 | 215,508,000 |
| Total loans | 129,851,000 | 130,889,000 | 131,938,000 | 132,996,000 |
| Allowance for loan losses | 6,247,000 | 6,263,000 | 6,385,000 | 6,456,000 |
| Securities available for sale | 39,281,000 | 49,968,000 | 50,865,000 | 54,034,000 |
| Securities held to maturity | 489,000 | 489,000 | 489,000 | 489,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,671,000 | 179,705,000 | 182,477,000 | 189,938,000 |
| Interest-bearing deposits | 133,458,000 | 134,140,000 | 135,924,000 | 141,411,000 |
| Noninterest-bearing deposits | 46,213,000 | 45,565,000 | 46,553,000 | 48,527,000 |
| Equity capital | 22,132,000 | 22,436,000 | 23,418,000 | 22,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,720,000 | 5,603,000 | 8,440,000 | 11,318,000 |
| Interest expense | 396,000 | 792,000 | 1,236,000 | 1,730,000 |
| Net interest income | 2,324,000 | 4,811,000 | 7,204,000 | 9,588,000 |
| Noninterest income | 887,000 | 1,932,000 | 3,007,000 | 4,177,000 |
| Noninterest expense | 2,088,000 | 4,208,000 | 6,317,000 | 8,573,000 |
| Provision for loan losses | 195,000 | 355,000 | 495,000 | 615,000 |
| Pretax income | 928,000 | 2,180,000 | 3,399,000 | 4,577,000 |
| Income tax | 308,000 | 725,000 | 1,128,000 | 1,416,000 |
| Net income | 620,000 | 1,455,000 | 2,271,000 | 3,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,736,000 | 20,612,000 | 21,469,000 | 21,006,000 |
| Total capital | 21,485,000 | 22,367,000 | 23,260,000 | 22,823,000 |
| Risk-weighted assets | 135,445,000 | 135,916,000 | 138,691,000 | 140,745,000 |