Call reports 2012
LAFAYETTE STATE BANK — 2012
What LAFAYETTE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 93,538,000 | 93,259,000 | 93,084,000 | 92,728,000 |
| Total loans | 69,813,000 | 68,836,000 | 70,504,000 | 71,939,000 |
| Allowance for loan losses | 610,000 | 670,000 | 705,000 | 590,000 |
| Securities available for sale | 3,593,000 | 3,426,000 | 3,958,000 | 4,440,000 |
| Securities held to maturity | 4,000 | 4,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,290,000 | 80,898,000 | 80,403,000 | 78,372,000 |
| Interest-bearing deposits | 66,105,000 | 63,597,000 | 61,451,000 | 61,120,000 |
| Noninterest-bearing deposits | 15,185,000 | 17,302,000 | 18,952,000 | 17,252,000 |
| Equity capital | 9,424,000 | 9,665,000 | 9,909,000 | 9,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,119,000 | 2,260,000 | 3,400,000 | 4,497,000 |
| Interest expense | 154,000 | 300,000 | 430,000 | 547,000 |
| Net interest income | 965,000 | 1,960,000 | 2,970,000 | 3,950,000 |
| Noninterest income | 234,000 | 452,000 | 679,000 | 914,000 |
| Noninterest expense | 780,000 | 1,628,000 | 2,481,000 | 3,396,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 346,000 |
| Pretax income | 362,000 | 677,000 | 1,001,000 | 1,135,000 |
| Income tax | 80,000 | 170,000 | 260,000 | 365,000 |
| Net income | 282,000 | 507,000 | 741,000 | 770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,410,000 | 9,635,000 | 9,868,000 | 9,648,000 |
| Total capital | 10,020,000 | 10,305,000 | 10,573,000 | 10,238,000 |
| Risk-weighted assets | 73,971,000 | 74,500,000 | 74,295,000 | 73,261,000 |