Call reports 2007
LAUREL NATIONAL BANK — 2007
What LAUREL NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Total assets | 96,444,000 | 95,287,000 | 102,568,000 |
| Total loans | 60,774,000 | 60,128,000 | 68,185,000 |
| Allowance for loan losses | 658,000 | 649,000 | 631,000 |
| Securities available for sale | 24,700,000 | 27,835,000 | 26,500,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 87,270,000 | 86,134,000 | 89,433,000 |
| Interest-bearing deposits | 78,849,000 | 77,414,000 | 76,309,000 |
| Noninterest-bearing deposits | 8,421,000 | 8,720,000 | 13,125,000 |
| Equity capital | 8,313,000 | 8,357,000 | 8,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Interest income | 1,484,000 | 3,003,000 | 4,586,000 |
| Interest expense | 766,000 | 1,551,000 | 2,324,000 |
| Net interest income | 718,000 | 1,452,000 | 2,262,000 |
| Noninterest income | 199,000 | 401,000 | 651,000 |
| Noninterest expense | 581,000 | 1,264,000 | 2,043,000 |
| Provision for loan losses | 24,000 | 49,000 | 79,000 |
| Pretax income | 312,000 | 540,000 | 791,000 |
| Income tax | 109,000 | 183,000 | 270,000 |
| Net income | 203,000 | 357,000 | 521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Tier 1 capital | 8,455,000 | 8,608,000 | 8,771,000 |
| Total capital | 9,113,000 | 9,257,000 | 9,402,000 |
| Risk-weighted assets | 59,107,000 | 61,498,000 | 69,337,000 |