Call reports 2002
LAUREL SAVINGS BANK — 2002
What LAUREL SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 260,486,000 | 277,993,000 | 276,419,000 | 271,087,000 |
| Total loans | 180,220,000 | 181,501,000 | 178,429,000 | 171,819,000 |
| Allowance for loan losses | 1,789,000 | 1,803,000 | 1,791,000 | 1,794,000 |
| Securities available for sale | 46,895,000 | 47,153,000 | 52,342,000 | 56,079,000 |
| Securities held to maturity | 12,532,000 | 11,949,000 | 9,941,000 | 11,270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,949,000 | 228,322,000 | 225,086,000 | 220,632,000 |
| Interest-bearing deposits | 197,009,000 | 213,871,000 | 212,000,000 | 209,686,000 |
| Noninterest-bearing deposits | 12,940,000 | 14,451,000 | 13,086,000 | 10,946,000 |
| Equity capital | 26,121,000 | 26,131,000 | 26,774,000 | 27,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,001,000 | 8,020,000 | 11,986,000 | 15,788,000 |
| Interest expense | 2,049,000 | 4,115,000 | 6,216,000 | 8,172,000 |
| Net interest income | 1,952,000 | 3,905,000 | 5,770,000 | 7,616,000 |
| Noninterest income | 169,000 | 364,000 | 562,000 | 779,000 |
| Noninterest expense | 983,000 | 1,976,000 | 2,990,000 | 3,966,000 |
| Provision for loan losses | 5,000 | 9,000 | 12,000 | 15,000 |
| Pretax income | 1,133,000 | 2,284,000 | 3,334,000 | 4,418,000 |
| Income tax | 360,000 | 728,000 | 1,058,000 | 1,400,000 |
| Net income | 773,000 | 1,556,000 | 2,276,000 | 3,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,921,000 | 25,499,000 | 25,865,000 | 26,247,000 |
| Total capital | 27,824,000 | 27,372,000 | 27,660,000 | 28,073,000 |
| Risk-weighted assets | 144,077,000 | 141,922,000 | 142,926,000 | 140,525,000 |