Call reports 2005
LAUREL SAVINGS BANK — 2005
What LAUREL SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 307,415,000 | 309,383,000 | 308,587,000 | 309,084,000 |
| Total loans | 205,518,000 | 212,685,000 | 215,591,000 | 216,137,000 |
| Allowance for loan losses | 1,998,000 | 1,989,000 | 1,999,000 | 1,998,000 |
| Securities available for sale | 60,948,000 | 58,540,000 | 55,881,000 | 54,070,000 |
| Securities held to maturity | 12,915,000 | 10,918,000 | 13,311,000 | 10,418,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,160,000 | 257,944,000 | 257,046,000 | 258,080,000 |
| Interest-bearing deposits | 238,479,000 | 240,666,000 | 237,304,000 | 238,145,000 |
| Noninterest-bearing deposits | 17,681,000 | 17,278,000 | 19,742,000 | 19,935,000 |
| Equity capital | 26,606,000 | 27,349,000 | 26,976,000 | 26,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,526,000 | 7,014,000 | 10,580,000 | 14,194,000 |
| Interest expense | 1,578,000 | 3,215,000 | 4,926,000 | 6,705,000 |
| Net interest income | 1,948,000 | 3,799,000 | 5,654,000 | 7,489,000 |
| Noninterest income | 343,000 | 698,000 | 1,029,000 | 1,340,000 |
| Noninterest expense | 1,488,000 | 3,021,000 | 4,483,000 | 5,930,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 800,000 | 1,488,000 | 2,212,000 | 2,911,000 |
| Income tax | 253,000 | 372,000 | 504,000 | 706,000 |
| Net income | 547,000 | 1,116,000 | 1,708,000 | 2,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,349,000 | 24,004,000 | 23,934,000 | 24,034,000 |
| Total capital | 25,317,000 | 25,975,000 | 25,933,000 | 26,032,000 |
| Risk-weighted assets | 157,401,000 | 157,633,000 | 160,349,000 | 160,600,000 |