Call reports 2016
LAFAYETTE STATE BANK — 2016
What LAFAYETTE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 78,949,000 | 74,793,000 | 76,739,000 | 74,817,000 |
| Total loans | 56,148,000 | 55,211,000 | 54,126,000 | 53,053,000 |
| Allowance for loan losses | 2,503,000 | 1,580,000 | 841,000 | 816,000 |
| Securities available for sale | 10,861,000 | 8,989,000 | 8,600,000 | 6,983,000 |
| Securities held to maturity | 3,000 | 3,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,428,000 | 71,326,000 | 73,503,000 | 68,994,000 |
| Interest-bearing deposits | 54,533,000 | 48,348,000 | 48,800,000 | 47,613,000 |
| Noninterest-bearing deposits | 20,895,000 | 22,978,000 | 24,703,000 | 21,381,000 |
| Equity capital | 3,157,000 | 2,694,000 | 2,921,000 | 2,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 690,000 | 1,307,000 | 1,940,000 | 2,589,000 |
| Interest expense | 65,000 | 117,000 | 162,000 | 205,000 |
| Net interest income | 625,000 | 1,190,000 | 1,778,000 | 2,384,000 |
| Noninterest income | 343,000 | 507,000 | 1,369,000 | 1,685,000 |
| Noninterest expense | 1,259,000 | 2,356,000 | 3,469,000 | 4,835,000 |
| Provision for loan losses | 0 | 130,000 | 255,000 | 296,000 |
| Pretax income | -281,000 | -776,000 | -543,000 | -1,050,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -281,000 | -776,000 | -543,000 | -1,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,157,000 | 2,643,000 | 2,853,000 | 3,008,000 |
| Total capital | 3,931,000 | 3,400,000 | 3,607,000 | 3,811,000 |
| Risk-weighted assets | 60,086,000 | 59,723,000 | 60,212,000 | 64,200,000 |