Call reports 2006
LAUREL NATIONAL BANK — 2006
What LAUREL NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 89,695,000 | 89,032,000 | 89,024,000 | 91,203,000 |
| Total loans | 51,397,000 | 55,932,000 | 56,397,000 | 57,979,000 |
| Allowance for loan losses | 663,000 | 645,000 | 664,000 | 660,000 |
| Securities available for sale | 28,348,000 | 27,224,000 | 26,807,000 | 26,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,677,000 | 79,018,000 | 81,200,000 | 83,246,000 |
| Interest-bearing deposits | 74,663,000 | 70,976,000 | 73,227,000 | 74,827,000 |
| Noninterest-bearing deposits | 8,015,000 | 8,041,000 | 7,974,000 | 8,420,000 |
| Equity capital | 6,463,000 | 6,485,000 | 6,968,000 | 7,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,257,000 | 2,578,000 | 3,968,000 | 5,384,000 |
| Interest expense | 606,000 | 1,238,000 | 1,934,000 | 2,645,000 |
| Net interest income | 651,000 | 1,340,000 | 2,034,000 | 2,739,000 |
| Noninterest income | 200,000 | 388,000 | 586,000 | 788,000 |
| Noninterest expense | 622,000 | 1,211,000 | 1,785,000 | 2,359,000 |
| Provision for loan losses | 29,000 | 54,000 | 79,000 | 104,000 |
| Pretax income | 200,000 | 463,000 | 756,000 | 1,064,000 |
| Income tax | 69,000 | 161,000 | 255,000 | 364,000 |
| Net income | 131,000 | 302,000 | 501,000 | 700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,828,000 | 6,999,000 | 7,198,000 | 7,396,000 |
| Total capital | 7,469,000 | 7,644,000 | 7,862,000 | 8,056,000 |
| Risk-weighted assets | 51,288,000 | 54,056,000 | 54,673,000 | 56,652,000 |
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