Call reports 2003
LAFAYETTE STATE BANK — 2003
What LAFAYETTE STATE 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 | 44,517,000 | 46,499,000 | 44,241,000 | 45,823,000 |
| Total loans | 29,913,000 | 32,622,000 | 33,556,000 | 33,242,000 |
| Allowance for loan losses | 412,000 | 390,000 | 405,000 | 413,000 |
| Securities available for sale | 3,899,000 | 4,833,000 | 3,233,000 | 3,511,000 |
| Securities held to maturity | 1,232,000 | 1,225,000 | 1,215,000 | 1,045,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,464,000 | 41,179,000 | 38,853,000 | 40,495,000 |
| Interest-bearing deposits | 33,894,000 | 35,780,000 | 34,206,000 | 34,294,000 |
| Noninterest-bearing deposits | 5,570,000 | 5,399,000 | 4,647,000 | 6,201,000 |
| Equity capital | 4,637,000 | 4,791,000 | 4,864,000 | 4,864,000 |
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 | 562,000 | 1,137,000 | 1,730,000 | 2,275,000 |
| Interest expense | 167,000 | 345,000 | 503,000 | 653,000 |
| Net interest income | 395,000 | 792,000 | 1,227,000 | 1,622,000 |
| Noninterest income | 119,000 | 257,000 | 399,000 | 550,000 |
| Noninterest expense | 368,000 | 764,000 | 1,204,000 | 1,669,000 |
| Provision for loan losses | 10,000 | 10,000 | 25,000 | 40,000 |
| Pretax income | 136,000 | 275,000 | 486,000 | 553,000 |
| Income tax | 30,000 | 60,000 | 90,000 | 148,000 |
| Net income | 106,000 | 215,000 | 396,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,571,000 | 4,681,000 | 4,860,000 | 4,870,000 |
| Total capital | 4,975,000 | 5,071,000 | 5,265,000 | 5,283,000 |
| Risk-weighted assets | 32,294,000 | 35,868,000 | 35,888,000 | 36,032,000 |