Call reports 2004
LAUREL NATIONAL BANK — 2004
What LAUREL NATIONAL 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 | 71,690,000 | 71,434,000 | 68,587,000 | 70,741,000 |
| Total loans | 40,317,000 | 40,355,000 | 40,545,000 | 40,617,000 |
| Allowance for loan losses | 611,000 | 626,000 | 675,000 | 685,000 |
| Securities available for sale | 25,701,000 | 27,085,000 | 21,966,000 | 23,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,545,000 | 64,391,000 | 61,749,000 | 63,873,000 |
| Interest-bearing deposits | 60,033,000 | 59,936,000 | 56,184,000 | 58,173,000 |
| Noninterest-bearing deposits | 4,512,000 | 4,455,000 | 5,565,000 | 5,700,000 |
| Equity capital | 6,360,000 | 5,870,000 | 6,248,000 | 6,316,000 |
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 | 924,000 | 1,868,000 | 2,807,000 | 3,730,000 |
| Interest expense | 296,000 | 580,000 | 841,000 | 1,112,000 |
| Net interest income | 628,000 | 1,288,000 | 1,966,000 | 2,618,000 |
| Noninterest income | 145,000 | 312,000 | 429,000 | 577,000 |
| Noninterest expense | 473,000 | 943,000 | 1,423,000 | 1,879,000 |
| Provision for loan losses | 25,000 | 49,000 | 102,000 | 119,000 |
| Pretax income | 426,000 | 778,000 | 1,177,000 | 1,509,000 |
| Income tax | 143,000 | 264,000 | 399,000 | 512,000 |
| Net income | 283,000 | 514,000 | 778,000 | 997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,884,000 | 5,990,000 | 6,129,000 | 6,307,000 |
| Total capital | 6,350,000 | 6,457,000 | 6,581,000 | 6,772,000 |
| Risk-weighted assets | 37,104,000 | 37,191,000 | 35,970,000 | 37,008,000 |