Call reports 2004
LAUREL SAVINGS BANK — 2004
What LAUREL SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 300,923,000 | 298,951,000 | 306,181,000 | 308,112,000 |
| Total loans | 171,862,000 | 176,453,000 | 189,047,000 | 200,867,000 |
| Allowance for loan losses | 2,017,000 | 2,032,000 | 1,992,000 | 1,988,000 |
| Securities available for sale | 62,781,000 | 68,967,000 | 64,665,000 | 62,474,000 |
| Securities held to maturity | 12,011,000 | 12,210,000 | 12,194,000 | 13,201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,911,000 | 249,009,000 | 253,164,000 | 257,317,000 |
| Interest-bearing deposits | 233,842,000 | 232,845,000 | 235,828,000 | 237,519,000 |
| Noninterest-bearing deposits | 16,069,000 | 16,164,000 | 17,336,000 | 19,798,000 |
| Equity capital | 27,162,000 | 26,564,000 | 26,891,000 | 27,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,315,000 | 6,430,000 | 9,756,000 | 13,179,000 |
| Interest expense | 1,471,000 | 2,899,000 | 4,416,000 | 5,977,000 |
| Net interest income | 1,844,000 | 3,531,000 | 5,340,000 | 7,202,000 |
| Noninterest income | 341,000 | 721,000 | 1,082,000 | 1,436,000 |
| Noninterest expense | 1,526,000 | 2,982,000 | 4,414,000 | 5,899,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 677,000 | 1,285,000 | 2,020,000 | 2,748,000 |
| Income tax | 209,000 | 363,000 | 587,000 | 813,000 |
| Net income | 468,000 | 922,000 | 1,433,000 | 1,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,020,000 | 23,170,000 | 23,241,000 | 23,403,000 |
| Total capital | 24,990,000 | 25,029,000 | 25,160,000 | 25,373,000 |
| Risk-weighted assets | 150,508,000 | 148,079,000 | 152,825,000 | 156,230,000 |