Call reports 2003
LAUREL SAVINGS BANK — 2003
What LAUREL SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 316,355,000 | 322,366,000 | 306,814,000 | 302,332,000 |
| Total loans | 190,772,000 | 184,647,000 | 161,391,000 | 163,282,000 |
| Allowance for loan losses | 2,014,000 | 2,006,000 | 2,005,000 | 1,984,000 |
| Securities available for sale | 68,488,000 | 61,941,000 | 54,251,000 | 55,485,000 |
| Securities held to maturity | 12,548,000 | 9,234,000 | 12,240,000 | 13,198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,596,000 | 268,698,000 | 252,648,000 | 250,454,000 |
| Interest-bearing deposits | 246,328,000 | 251,738,000 | 235,914,000 | 235,534,000 |
| Noninterest-bearing deposits | 15,268,000 | 16,960,000 | 16,734,000 | 14,920,000 |
| Equity capital | 27,059,000 | 27,288,000 | 26,984,000 | 27,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,564,000 | 7,448,000 | 10,915,000 | 14,053,000 |
| Interest expense | 1,776,000 | 3,594,000 | 5,294,000 | 6,826,000 |
| Net interest income | 1,788,000 | 3,854,000 | 5,621,000 | 7,227,000 |
| Noninterest income | 203,000 | 462,000 | 866,000 | 1,190,000 |
| Noninterest expense | 1,153,000 | 2,642,000 | 4,116,000 | 5,631,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 835,000 | 1,658,000 | 2,362,000 | 2,818,000 |
| Income tax | 247,000 | 494,000 | 707,000 | 777,000 |
| Net income | 588,000 | 1,164,000 | 1,655,000 | 2,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,528,000 | 22,249,000 | 22,282,000 | 22,978,000 |
| Total capital | 23,560,000 | 24,267,000 | 24,187,000 | 24,909,000 |
| Risk-weighted assets | 187,341,000 | 165,505,000 | 152,272,000 | 149,318,000 |