Call reports 2005
LAFAYETTE STATE BANK — 2005
What LAFAYETTE STATE 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 | 54,439,000 | 56,013,000 | 53,770,000 | 56,730,000 |
| Total loans | 40,130,000 | 38,416,000 | 37,658,000 | 35,655,000 |
| Allowance for loan losses | 417,000 | 447,000 | 491,000 | 433,000 |
| Securities available for sale | 3,460,000 | 3,944,000 | 4,161,000 | 4,306,000 |
| Securities held to maturity | 748,000 | 747,000 | 392,000 | 393,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,628,000 | 50,004,000 | 47,519,000 | 50,381,000 |
| Interest-bearing deposits | 40,819,000 | 40,860,000 | 38,459,000 | 40,413,000 |
| Noninterest-bearing deposits | 7,809,000 | 9,144,000 | 9,060,000 | 9,968,000 |
| Equity capital | 5,265,000 | 5,414,000 | 5,518,000 | 5,507,000 |
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 | 716,000 | 1,496,000 | 2,273,000 | 3,166,000 |
| Interest expense | 190,000 | 395,000 | 600,000 | 813,000 |
| Net interest income | 526,000 | 1,101,000 | 1,673,000 | 2,353,000 |
| Noninterest income | 175,000 | 351,000 | 551,000 | 762,000 |
| Noninterest expense | 529,000 | 1,079,000 | 1,644,000 | 2,266,000 |
| Provision for loan losses | 15,000 | 45,000 | 90,000 | 314,000 |
| Pretax income | 157,000 | 328,000 | 490,000 | 535,000 |
| Income tax | 37,000 | 75,000 | 113,000 | 148,000 |
| Net income | 120,000 | 253,000 | 377,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,315,000 | 5,448,000 | 5,573,000 | 5,582,000 |
| Total capital | 5,732,000 | 5,895,000 | 6,064,000 | 6,015,000 |
| Risk-weighted assets | 43,417,000 | 42,645,000 | 42,073,000 | 41,148,000 |