Call reports 2007
LAURA STATE BANK — 2007
What LAURA STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 10,297,000 | 10,329,000 | 12,015,000 | 10,548,000 |
| Total loans | 4,800,000 | 4,823,000 | 4,788,000 | 4,945,000 |
| Allowance for loan losses | 106,000 | 99,000 | 100,000 | 100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,929,000 | 1,913,000 | 2,366,000 | 1,676,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,471,000 | 8,482,000 | 10,121,000 | 8,676,000 |
| Interest-bearing deposits | 6,205,000 | 6,132,000 | 7,822,000 | 6,434,000 |
| Noninterest-bearing deposits | 2,266,000 | 2,350,000 | 2,299,000 | 2,242,000 |
| Equity capital | 1,773,000 | 1,790,000 | 1,810,000 | 1,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 153,000 | 279,000 | 427,000 | 587,000 |
| Interest expense | 29,000 | 58,000 | 90,000 | 122,000 |
| Net interest income | 124,000 | 221,000 | 337,000 | 465,000 |
| Noninterest income | 15,000 | 33,000 | 49,000 | 65,000 |
| Noninterest expense | 97,000 | 184,000 | 276,000 | 380,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 30,000 | 46,000 | 74,000 | 102,000 |
| Income tax | 7,000 | 7,000 | 14,000 | 16,000 |
| Net income | 23,000 | 39,000 | 60,000 | 86,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,773,000 | 1,790,000 | 1,810,000 | 1,831,000 |
| Total capital | 1,821,000 | 1,830,000 | 1,848,000 | 1,870,000 |
| Risk-weighted assets | 4,603,000 | 4,675,000 | 4,870,000 | 4,832,000 |