Call reports 2002
LAUREL NATIONAL BANK — 2002
What LAUREL NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 58,694,000 | 64,179,000 | 64,283,000 | 64,129,000 |
| Total loans | 33,298,000 | 36,810,000 | 39,233,000 | 38,424,000 |
| Allowance for loan losses | 440,000 | 465,000 | 469,000 | 481,000 |
| Securities available for sale | 19,062,000 | 19,903,000 | 20,810,000 | 21,426,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,522,000 | 58,379,000 | 57,099,000 | 55,505,000 |
| Interest-bearing deposits | 49,745,000 | 53,770,000 | 53,012,000 | 51,004,000 |
| Noninterest-bearing deposits | 3,777,000 | 4,609,000 | 4,087,000 | 4,501,000 |
| Equity capital | 4,778,000 | 5,236,000 | 5,675,000 | 5,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 942,000 | 1,922,000 | 2,944,000 | 3,955,000 |
| Interest expense | 364,000 | 716,000 | 1,068,000 | 1,381,000 |
| Net interest income | 578,000 | 1,206,000 | 1,876,000 | 2,574,000 |
| Noninterest income | 112,000 | 236,000 | 370,000 | 503,000 |
| Noninterest expense | 415,000 | 853,000 | 1,325,000 | 1,797,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 42,000 |
| Pretax income | 280,000 | 585,000 | 945,000 | 1,309,000 |
| Income tax | 95,000 | 198,000 | 320,000 | 443,000 |
| Net income | 185,000 | 387,000 | 625,000 | 866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,673,000 | 4,775,000 | 4,912,000 | 4,903,000 |
| Total capital | 5,066,000 | 5,204,000 | 5,360,000 | 5,339,000 |
| Risk-weighted assets | 31,391,000 | 34,296,000 | 35,828,000 | 34,822,000 |