Call reports 2005
BANK OF LAFAYETTE, THE — 2005
What BANK OF LAFAYETTE, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 161,772,000 | 156,524,000 | 150,687,000 | 164,376,000 |
| Total loans | 65,442,000 | 66,564,000 | 69,123,000 | 69,358,000 |
| Allowance for loan losses | 862,000 | 835,000 | 843,000 | 784,000 |
| Securities available for sale | 72,942,000 | 69,032,000 | 64,886,000 | 66,027,000 |
| Securities held to maturity | 7,664,000 | 7,659,000 | 7,420,000 | 7,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,536,000 | 128,038,000 | 121,918,000 | 136,178,000 |
| Interest-bearing deposits | 91,071,000 | 91,418,000 | 90,027,000 | 113,204,000 |
| Noninterest-bearing deposits | 43,466,000 | 36,620,000 | 31,890,000 | 22,973,000 |
| Equity capital | 26,504,000 | 27,747,000 | 27,974,000 | 27,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,116,000 | 4,266,000 | 6,393,000 | 8,604,000 |
| Interest expense | 261,000 | 546,000 | 861,000 | 1,265,000 |
| Net interest income | 1,855,000 | 3,720,000 | 5,532,000 | 7,339,000 |
| Noninterest income | 198,000 | 411,000 | 658,000 | 874,000 |
| Noninterest expense | 1,191,000 | 2,486,000 | 3,763,000 | 5,020,000 |
| Provision for loan losses | 0 | 65,000 | 65,000 | 65,000 |
| Pretax income | 862,000 | 1,580,000 | 2,364,000 | 3,131,000 |
| Income tax | 230,000 | 404,000 | 649,000 | 878,000 |
| Net income | 632,000 | 1,176,000 | 1,715,000 | 2,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,441,000 | 27,985,000 | 28,423,000 | 28,291,000 |
| Total capital | 28,265,000 | 28,814,000 | 29,266,000 | 29,075,000 |
| Risk-weighted assets | 65,900,000 | 66,288,000 | 67,670,000 | 70,292,000 |