Call reports 2009
LAFAYETTE STATE BANK — 2009
What LAFAYETTE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 71,439,000 | 71,563,000 | 70,474,000 | 75,522,000 |
| Total loans | 51,239,000 | 52,851,000 | 54,582,000 | 57,183,000 |
| Allowance for loan losses | 511,000 | 542,000 | 573,000 | 603,000 |
| Securities available for sale | 9,338,000 | 8,156,000 | 6,021,000 | 5,880,000 |
| Securities held to maturity | 5,000 | 5,000 | 5,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,516,000 | 56,709,000 | 54,315,000 | 59,286,000 |
| Interest-bearing deposits | 48,615,000 | 46,824,000 | 44,029,000 | 49,332,000 |
| Noninterest-bearing deposits | 9,901,000 | 9,885,000 | 10,286,000 | 9,954,000 |
| Equity capital | 7,500,000 | 7,601,000 | 7,873,000 | 7,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 859,000 | 1,756,000 | 2,656,000 | 3,590,000 |
| Interest expense | 284,000 | 534,000 | 746,000 | 949,000 |
| Net interest income | 575,000 | 1,222,000 | 1,910,000 | 2,641,000 |
| Noninterest income | 221,000 | 439,000 | 663,000 | 887,000 |
| Noninterest expense | 620,000 | 1,315,000 | 2,023,000 | 2,827,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 146,000 | 294,000 | 532,000 | 653,000 |
| Income tax | 42,000 | 66,000 | 90,000 | 185,000 |
| Net income | 104,000 | 228,000 | 442,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,537,000 | 7,662,000 | 7,875,000 | 7,901,000 |
| Total capital | 8,048,000 | 8,204,000 | 8,448,000 | 8,504,000 |
| Risk-weighted assets | 56,468,000 | 57,105,000 | 58,946,000 | 62,196,000 |