Call reports 2013
LAFAYETTE STATE BANK — 2013
What LAFAYETTE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 92,100,000 | 94,101,000 | 95,940,000 | 97,114,000 |
| Total loans | 71,505,000 | 73,567,000 | 74,986,000 | 76,941,000 |
| Allowance for loan losses | 773,000 | 467,000 | 477,000 | 512,000 |
| Securities available for sale | 4,385,000 | 4,477,000 | 4,465,000 | 4,430,000 |
| Securities held to maturity | 4,000 | 4,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,645,000 | 80,458,000 | 77,838,000 | 76,303,000 |
| Interest-bearing deposits | 60,411,000 | 59,525,000 | 58,365,000 | 58,434,000 |
| Noninterest-bearing deposits | 19,234,000 | 20,933,000 | 19,473,000 | 17,869,000 |
| Equity capital | 9,812,000 | 9,855,000 | 9,677,000 | 9,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,078,000 | 2,159,000 | 3,215,000 | 4,352,000 |
| Interest expense | 106,000 | 198,000 | 285,000 | 367,000 |
| Net interest income | 972,000 | 1,961,000 | 2,930,000 | 3,985,000 |
| Noninterest income | 255,000 | 486,000 | 703,000 | 941,000 |
| Noninterest expense | 892,000 | 1,761,000 | 2,610,000 | 3,605,000 |
| Provision for loan losses | 182,000 | 392,000 | 602,000 | 1,068,000 |
| Pretax income | 153,000 | 294,000 | 421,000 | 253,000 |
| Income tax | 0 | 0 | 0 | 30,000 |
| Net income | 153,000 | 294,000 | 421,000 | 223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,801,000 | 9,942,000 | 9,819,000 | 9,622,000 |
| Total capital | 10,574,000 | 10,409,000 | 10,296,000 | 10,134,000 |
| Risk-weighted assets | 73,730,000 | 72,968,000 | 73,914,000 | 75,354,000 |