Call reports 2003
LAURA STATE BANK — 2003
What LAURA STATE BANK 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 | 9,499,000 | 9,384,000 | 10,294,000 | 9,587,000 |
| Total loans | 6,296,000 | 6,370,000 | 6,220,000 | 6,005,000 |
| Allowance for loan losses | 99,000 | 99,000 | 101,000 | 101,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 292,000 | 274,000 | 253,000 | 192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,816,000 | 7,680,000 | 8,587,000 | 7,941,000 |
| Interest-bearing deposits | 6,041,000 | 5,966,000 | 6,876,000 | 6,108,000 |
| Noninterest-bearing deposits | 1,775,000 | 1,714,000 | 1,711,000 | 1,833,000 |
| Equity capital | 1,622,000 | 1,639,000 | 1,628,000 | 1,612,000 |
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 | 123,000 | 243,000 | 361,000 | 476,000 |
| Interest expense | 29,000 | 56,000 | 81,000 | 105,000 |
| Net interest income | 94,000 | 187,000 | 280,000 | 371,000 |
| Noninterest income | 18,000 | 41,000 | 63,000 | 79,000 |
| Noninterest expense | 96,000 | 193,000 | 321,000 | 440,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 35,000 | 22,000 | 10,000 |
| Income tax | 2,000 | 4,000 | 2,000 | 0 |
| Net income | 14,000 | 31,000 | 20,000 | 10,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,622,000 | 1,639,000 | 1,628,000 | 1,612,000 |
| Total capital | 1,696,000 | 1,715,000 | 1,703,000 | 1,684,000 |
| Risk-weighted assets | 5,934,000 | 6,020,000 | 5,988,000 | 5,707,000 |