Call reports 2003
LAUREL NATIONAL BANK — 2003
What LAUREL NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 66,217,000 | 66,335,000 | 70,038,000 | 69,670,000 |
| Total loans | 41,921,000 | 41,685,000 | 40,490,000 | 40,166,000 |
| Allowance for loan losses | 514,000 | 535,000 | 566,000 | 599,000 |
| Securities available for sale | 19,718,000 | 20,477,000 | 23,286,000 | 24,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,116,000 | 59,243,000 | 62,395,000 | 62,088,000 |
| Interest-bearing deposits | 53,812,000 | 54,711,000 | 58,280,000 | 57,860,000 |
| Noninterest-bearing deposits | 4,304,000 | 4,532,000 | 4,115,000 | 4,228,000 |
| Equity capital | 5,766,000 | 6,171,000 | 6,067,000 | 6,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,026,000 | 3,020,000 | 3,996,000 |
| Interest expense | 300,000 | 600,000 | 895,000 | 1,197,000 |
| Net interest income | 716,000 | 1,426,000 | 2,125,000 | 2,799,000 |
| Noninterest income | 133,000 | 267,000 | 430,000 | 546,000 |
| Noninterest expense | 445,000 | 902,000 | 1,367,000 | 1,833,000 |
| Provision for loan losses | 37,000 | 77,000 | 117,000 | 153,000 |
| Pretax income | 569,000 | 1,043,000 | 1,400,000 | 1,715,000 |
| Income tax | 182,000 | 342,000 | 462,000 | 568,000 |
| Net income | 387,000 | 701,000 | 938,000 | 1,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,210,000 | 5,424,000 | 5,611,000 | 5,720,000 |
| Total capital | 5,677,000 | 5,897,000 | 6,076,000 | 6,182,000 |
| Risk-weighted assets | 37,323,000 | 37,769,000 | 37,105,000 | 36,811,000 |