Call reports 2004
LAURA STATE BANK — 2004
What LAURA STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 9,760,000 | 9,506,000 | 11,189,000 | 10,573,000 |
| Total loans | 5,474,000 | 5,344,000 | 5,215,000 | 5,161,000 |
| Allowance for loan losses | 102,000 | 95,000 | 96,000 | 97,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 192,000 | 172,000 | 450,000 | 683,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,109,000 | 7,835,000 | 9,490,000 | 8,899,000 |
| Interest-bearing deposits | 6,276,000 | 6,119,000 | 7,468,000 | 6,469,000 |
| Noninterest-bearing deposits | 1,833,000 | 1,716,000 | 2,022,000 | 2,430,000 |
| Equity capital | 1,616,000 | 1,630,000 | 1,641,000 | 1,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 103,000 | 203,000 | 307,000 | 415,000 |
| Interest expense | 21,000 | 40,000 | 59,000 | 77,000 |
| Net interest income | 82,000 | 163,000 | 248,000 | 338,000 |
| Noninterest income | 22,000 | 42,000 | 60,000 | 92,000 |
| Noninterest expense | 98,000 | 185,000 | 276,000 | 371,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,000 | 20,000 | 32,000 | 59,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 5,000 |
| Net income | 5,000 | 18,000 | 29,000 | 54,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,616,000 | 1,630,000 | 1,641,000 | 1,660,000 |
| Total capital | 1,685,000 | 1,696,000 | 1,712,000 | 1,727,000 |
| Risk-weighted assets | 5,455,000 | 5,269,000 | 5,582,000 | 5,262,000 |