Call reports 2008
LAFAYETTE STATE BANK — 2008
What LAFAYETTE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 66,285,000 | 66,373,000 | 69,421,000 | 70,621,000 |
| Total loans | 46,186,000 | 46,855,000 | 48,763,000 | 49,946,000 |
| Allowance for loan losses | 566,000 | 597,000 | 627,000 | 478,000 |
| Securities available for sale | 10,246,000 | 10,673,000 | 10,300,000 | 9,119,000 |
| Securities held to maturity | 255,000 | 255,000 | 145,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,669,000 | 56,439,000 | 52,366,000 | 57,921,000 |
| Interest-bearing deposits | 46,903,000 | 48,124,000 | 44,676,000 | 48,428,000 |
| Noninterest-bearing deposits | 8,766,000 | 8,315,000 | 7,689,000 | 9,493,000 |
| Equity capital | 7,094,000 | 7,054,000 | 7,173,000 | 7,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,074,000 | 2,067,000 | 3,070,000 | 3,991,000 |
| Interest expense | 362,000 | 674,000 | 976,000 | 1,296,000 |
| Net interest income | 712,000 | 1,393,000 | 2,094,000 | 2,695,000 |
| Noninterest income | 231,000 | 475,000 | 707,000 | 929,000 |
| Noninterest expense | 580,000 | 1,288,000 | 1,963,000 | 2,614,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 334,000 | 521,000 | 752,000 | 895,000 |
| Income tax | 78,000 | 156,000 | 234,000 | 279,000 |
| Net income | 256,000 | 365,000 | 518,000 | 616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,074,000 | 7,183,000 | 7,335,000 | 7,433,000 |
| Total capital | 7,640,000 | 7,780,000 | 7,962,000 | 7,911,000 |
| Risk-weighted assets | 51,298,000 | 53,004,000 | 54,812,000 | 55,477,000 |