Call reports 2015
LAFAYETTE STATE BANK — 2015
What LAFAYETTE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 87,211,000 | 85,368,000 | 83,503,000 | 80,939,000 |
| Total loans | 62,200,000 | 60,662,000 | 59,451,000 | 58,208,000 |
| Allowance for loan losses | 4,437,000 | 3,652,000 | 3,637,000 | 2,761,000 |
| Securities available for sale | 9,708,000 | 9,053,000 | 11,432,000 | 11,671,000 |
| Securities held to maturity | 3,000 | 3,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,414,000 | 80,890,000 | 79,339,000 | 76,797,000 |
| Interest-bearing deposits | 63,275,000 | 61,374,000 | 59,139,000 | 56,833,000 |
| Noninterest-bearing deposits | 19,139,000 | 19,516,000 | 20,200,000 | 19,964,000 |
| Equity capital | 4,339,000 | 4,091,000 | 3,727,000 | 3,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 790,000 | 1,612,000 | 2,292,000 | 3,095,000 |
| Interest expense | 80,000 | 160,000 | 241,000 | 313,000 |
| Net interest income | 710,000 | 1,452,000 | 2,051,000 | 2,782,000 |
| Noninterest income | 196,000 | 483,000 | 669,000 | 945,000 |
| Noninterest expense | 1,317,000 | 2,506,000 | 3,742,000 | 5,069,000 |
| Provision for loan losses | 285,000 | 285,000 | 285,000 | 285,000 |
| Pretax income | -684,000 | -844,000 | -1,295,000 | -1,615,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | -684,000 | -844,000 | -1,295,000 | -1,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,353,000 | 4,193,000 | 3,741,000 | 3,448,000 |
| Total capital | 5,218,000 | 5,021,000 | 4,499,000 | 4,228,000 |
| Risk-weighted assets | 66,150,000 | 63,411,000 | 57,700,000 | 60,423,000 |