Call reports 2005
LAUREL NATIONAL BANK — 2005
What LAUREL NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 76,552,000 | 80,315,000 | 83,220,000 | 86,656,000 |
| Total loans | 43,245,000 | 45,965,000 | 48,683,000 | 53,080,000 |
| Allowance for loan losses | 708,000 | 722,000 | 718,000 | 702,000 |
| Securities available for sale | 29,072,000 | 29,070,000 | 27,773,000 | 27,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,989,000 | 70,016,000 | 76,296,000 | 78,452,000 |
| Interest-bearing deposits | 61,802,000 | 62,755,000 | 68,864,000 | 71,483,000 |
| Noninterest-bearing deposits | 7,187,000 | 7,261,000 | 7,433,000 | 6,970,000 |
| Equity capital | 6,119,000 | 6,379,000 | 6,405,000 | 6,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 972,000 | 2,025,000 | 3,140,000 | 4,327,000 |
| Interest expense | 325,000 | 717,000 | 1,206,000 | 1,746,000 |
| Net interest income | 647,000 | 1,308,000 | 1,934,000 | 2,581,000 |
| Noninterest income | 158,000 | 342,000 | 515,000 | 697,000 |
| Noninterest expense | 467,000 | 978,000 | 1,509,000 | 2,141,000 |
| Provision for loan losses | 23,000 | 48,000 | 69,000 | 94,000 |
| Pretax income | 315,000 | 671,000 | 918,000 | 1,090,000 |
| Income tax | 107,000 | 227,000 | 314,000 | 371,000 |
| Net income | 208,000 | 444,000 | 604,000 | 719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,349,000 | 6,420,000 | 6,580,000 | 6,696,000 |
| Total capital | 6,836,000 | 6,955,000 | 7,177,000 | 7,337,000 |
| Risk-weighted assets | 38,771,000 | 42,577,000 | 47,615,000 | 51,198,000 |
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