Call reports 2006
LAURA STATE BANK — 2006
What LAURA STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 10,187,000 | 11,050,000 | 10,727,000 | 10,721,000 |
| Total loans | 5,027,000 | 5,023,000 | 4,938,000 | 4,686,000 |
| Allowance for loan losses | 123,000 | 136,000 | 111,000 | 105,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,830,000 | 2,810,000 | 2,716,000 | 1,914,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,439,000 | 9,271,000 | 8,896,000 | 8,948,000 |
| Interest-bearing deposits | 6,146,000 | 7,138,000 | 6,860,000 | 6,422,000 |
| Noninterest-bearing deposits | 2,293,000 | 2,133,000 | 2,036,000 | 2,526,000 |
| Equity capital | 1,709,000 | 1,735,000 | 1,758,000 | 1,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 125,000 | 261,000 | 412,000 | 558,000 |
| Interest expense | 21,000 | 42,000 | 66,000 | 92,000 |
| Net interest income | 104,000 | 219,000 | 346,000 | 466,000 |
| Noninterest income | 16,000 | 36,000 | 51,000 | 69,000 |
| Noninterest expense | 109,000 | 203,000 | 306,000 | 416,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 68,000 |
| Pretax income | -1,000 | 28,000 | 55,000 | 51,000 |
| Income tax | 0 | 3,000 | 8,000 | 6,000 |
| Net income | -1,000 | 25,000 | 47,000 | 45,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,709,000 | 1,735,000 | 1,758,000 | 1,750,000 |
| Total capital | 1,770,000 | 1,797,000 | 1,816,000 | 1,795,000 |
| Risk-weighted assets | 4,818,000 | 4,862,000 | 4,611,000 | 4,703,000 |