Call reports 2005
LAURA STATE BANK — 2005
What LAURA STATE BANK 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 | 10,552,000 | 12,246,000 | 10,416,000 | 10,737,000 |
| Total loans | 5,074,000 | 5,007,000 | 5,022,000 | 5,022,000 |
| Allowance for loan losses | 97,000 | 86,000 | 94,000 | 108,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 583,000 | 683,000 | 1,900,000 | 1,832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,839,000 | 10,505,000 | 8,636,000 | 9,012,000 |
| Interest-bearing deposits | 6,606,000 | 8,347,000 | 6,770,000 | 6,458,000 |
| Noninterest-bearing deposits | 2,233,000 | 2,158,000 | 1,866,000 | 2,554,000 |
| Equity capital | 1,676,000 | 1,696,000 | 1,714,000 | 1,710,000 |
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 | 111,000 | 228,000 | 347,000 | 464,000 |
| Interest expense | 18,000 | 38,000 | 59,000 | 78,000 |
| Net interest income | 93,000 | 190,000 | 288,000 | 386,000 |
| Noninterest income | 18,000 | 38,000 | 53,000 | 72,000 |
| Noninterest expense | 92,000 | 184,000 | 270,000 | 378,000 |
| Provision for loan losses | 0 | 2,000 | 8,000 | 22,000 |
| Pretax income | 19,000 | 42,000 | 63,000 | 58,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 8,000 |
| Net income | 16,000 | 36,000 | 54,000 | 50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,676,000 | 1,696,000 | 1,714,000 | 1,710,000 |
| Total capital | 1,742,000 | 1,766,000 | 1,777,000 | 1,774,000 |
| Risk-weighted assets | 5,204,000 | 5,542,000 | 5,008,000 | 5,040,000 |