Call reports 2004
LAFAYETTE STATE BANK — 2004
What LAFAYETTE STATE 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 | 48,512,000 | 50,320,000 | 50,863,000 | 52,813,000 |
| Total loans | 33,781,000 | 36,901,000 | 38,816,000 | 38,925,000 |
| Allowance for loan losses | 423,000 | 435,000 | 443,000 | 402,000 |
| Securities available for sale | 3,956,000 | 4,405,000 | 4,344,000 | 3,312,000 |
| Securities held to maturity | 1,044,000 | 1,044,000 | 1,044,000 | 748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,540,000 | 44,915,000 | 45,261,000 | 47,082,000 |
| Interest-bearing deposits | 35,028,000 | 37,719,000 | 38,261,000 | 38,435,000 |
| Noninterest-bearing deposits | 6,512,000 | 7,196,000 | 7,000,000 | 8,647,000 |
| Equity capital | 4,977,000 | 4,958,000 | 5,133,000 | 5,170,000 |
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 | 516,000 | 1,100,000 | 1,739,000 | 2,446,000 |
| Interest expense | 140,000 | 291,000 | 459,000 | 646,000 |
| Net interest income | 376,000 | 809,000 | 1,280,000 | 1,800,000 |
| Noninterest income | 136,000 | 288,000 | 466,000 | 664,000 |
| Noninterest expense | 385,000 | 855,000 | 1,348,000 | 1,933,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 117,000 | 217,000 | 358,000 | 476,000 |
| Income tax | 25,000 | 63,000 | 88,000 | 151,000 |
| Net income | 92,000 | 154,000 | 270,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,962,000 | 5,024,000 | 5,140,000 | 5,195,000 |
| Total capital | 5,385,000 | 5,459,000 | 5,583,000 | 5,597,000 |
| Risk-weighted assets | 37,840,000 | 40,546,000 | 42,026,000 | 42,317,000 |