Call reports 2007
LAFAYETTE STATE BANK — 2007
What LAFAYETTE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 61,872,000 | 63,058,000 | 64,243,000 | 64,759,000 |
| Total loans | 42,659,000 | 42,923,000 | 44,204,000 | 44,617,000 |
| Allowance for loan losses | 472,000 | 452,000 | 497,000 | 542,000 |
| Securities available for sale | 10,493,000 | 10,282,000 | 10,603,000 | 10,528,000 |
| Securities held to maturity | 255,000 | 255,000 | 255,000 | 255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,709,000 | 55,254,000 | 54,289,000 | 53,421,000 |
| Interest-bearing deposits | 44,014,000 | 44,834,000 | 46,026,000 | 44,627,000 |
| Noninterest-bearing deposits | 9,695,000 | 10,420,000 | 8,263,000 | 8,794,000 |
| Equity capital | 6,268,000 | 6,330,000 | 6,541,000 | 6,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,038,000 | 2,114,000 | 3,210,000 | 4,418,000 |
| Interest expense | 373,000 | 761,000 | 1,181,000 | 1,589,000 |
| Net interest income | 665,000 | 1,353,000 | 2,029,000 | 2,829,000 |
| Noninterest income | 229,000 | 459,000 | 679,000 | 909,000 |
| Noninterest expense | 615,000 | 1,251,000 | 1,910,000 | 2,608,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 234,000 | 471,000 | 663,000 | 950,000 |
| Income tax | 78,000 | 156,000 | 234,000 | 316,000 |
| Net income | 156,000 | 315,000 | 429,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,340,000 | 6,498,000 | 6,613,000 | 6,818,000 |
| Total capital | 6,812,000 | 6,950,000 | 7,110,000 | 7,360,000 |
| Risk-weighted assets | 47,999,000 | 49,180,000 | 49,764,000 | 49,932,000 |