Call reports 2003
BANK OF LAFAYETTE, THE — 2003
What BANK OF LAFAYETTE, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 158,133,000 | 149,078,000 | 170,263,000 | 155,018,000 |
| Total loans | 65,766,000 | 66,246,000 | 63,992,000 | 63,561,000 |
| Allowance for loan losses | 819,000 | 831,000 | 801,000 | 943,000 |
| Securities available for sale | 61,607,000 | 61,319,000 | 59,918,000 | 66,974,000 |
| Securities held to maturity | 8,279,000 | 8,280,000 | 8,080,000 | 8,158,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,270,000 | 122,321,000 | 144,176,000 | 128,249,000 |
| Interest-bearing deposits | 95,326,000 | 92,783,000 | 92,959,000 | 95,840,000 |
| Noninterest-bearing deposits | 36,944,000 | 29,538,000 | 51,217,000 | 32,409,000 |
| Equity capital | 24,719,000 | 25,574,000 | 25,411,000 | 25,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,164,000 | 4,278,000 | 6,295,000 | 8,349,000 |
| Interest expense | 379,000 | 722,000 | 1,035,000 | 1,319,000 |
| Net interest income | 1,785,000 | 3,556,000 | 5,260,000 | 7,030,000 |
| Noninterest income | 194,000 | 411,000 | 648,000 | 878,000 |
| Noninterest expense | 1,126,000 | 2,268,000 | 3,428,000 | 4,639,000 |
| Provision for loan losses | 19,000 | 69,000 | 384,000 | 384,000 |
| Pretax income | 842,000 | 1,638,000 | 2,108,000 | 2,901,000 |
| Income tax | 250,000 | 475,000 | 614,000 | 866,000 |
| Net income | 592,000 | 1,163,000 | 1,494,000 | 2,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,336,000 | 24,906,000 | 25,231,000 | 25,231,000 |
| Total capital | 25,155,000 | 25,717,000 | 26,032,000 | 26,025,000 |
| Risk-weighted assets | 66,703,000 | 64,880,000 | 68,124,000 | 63,401,000 |