Call reports 2014
LAFAYETTE STATE BANK — 2014
What LAFAYETTE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 95,279,000 | 101,176,000 | 93,268,000 | 88,744,000 |
| Total loans | 75,223,000 | 73,295,000 | 66,641,000 | 65,059,000 |
| Allowance for loan losses | 3,413,000 | 3,695,000 | 3,951,000 | 4,148,000 |
| Securities available for sale | 4,425,000 | 5,645,000 | 5,606,000 | 8,731,000 |
| Securities held to maturity | 3,000 | 3,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,117,000 | 92,143,000 | 87,258,000 | 83,283,000 |
| Interest-bearing deposits | 64,258,000 | 67,173,000 | 66,888,000 | 65,741,000 |
| Noninterest-bearing deposits | 20,860,000 | 24,970,000 | 20,370,000 | 17,542,000 |
| Equity capital | 4,970,000 | 4,967,000 | 5,405,000 | 4,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,043,000 | 2,198,000 | 3,252,000 | 4,121,000 |
| Interest expense | 85,000 | 169,000 | 258,000 | 345,000 |
| Net interest income | 958,000 | 2,029,000 | 2,994,000 | 3,776,000 |
| Noninterest income | 101,000 | 312,000 | 136,000 | 2,465,000 |
| Noninterest expense | 923,000 | 1,959,000 | 1,691,000 | 5,094,000 |
| Provision for loan losses | 4,658,000 | 4,960,000 | 5,058,000 | 5,443,000 |
| Pretax income | -4,522,000 | -4,559,000 | -3,591,000 | -4,268,000 |
| Income tax | 0 | 0 | 533,000 | 317,000 |
| Net income | -4,522,000 | -4,559,000 | -4,124,000 | -4,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,429,000 | 4,486,000 | 5,453,000 | 5,037,000 |
| Total capital | 5,356,000 | 5,502,000 | 6,374,000 | 5,923,000 |
| Risk-weighted assets | 72,689,000 | 79,532,000 | 70,666,000 | 68,324,000 |