Call reports 2008
LAURA STATE BANK — 2008
What LAURA STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 10,831,000 | 12,324,000 | 11,842,000 | 11,595,000 |
| Total loans | 4,982,000 | 4,587,000 | 4,694,000 | 4,715,000 |
| Allowance for loan losses | 113,000 | 108,000 | 109,000 | 109,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,464,000 | 1,251,000 | 1,452,000 | 2,452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,952,000 | 10,419,000 | 9,920,000 | 9,735,000 |
| Interest-bearing deposits | 6,320,000 | 7,815,000 | 7,115,000 | 6,936,000 |
| Noninterest-bearing deposits | 2,632,000 | 2,604,000 | 2,805,000 | 2,799,000 |
| Equity capital | 1,833,000 | 1,857,000 | 1,857,000 | 1,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 134,000 | 262,000 | 382,000 | 490,000 |
| Interest expense | 31,000 | 61,000 | 93,000 | 121,000 |
| Net interest income | 103,000 | 201,000 | 289,000 | 369,000 |
| Noninterest income | 17,000 | 37,000 | 51,000 | 70,000 |
| Noninterest expense | 104,000 | 198,000 | 299,000 | 413,000 |
| Provision for loan losses | 12,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 4,000 | 28,000 | 29,000 | 14,000 |
| Income tax | 0 | 3,000 | 3,000 | 0 |
| Net income | 4,000 | 25,000 | 26,000 | 14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,833,000 | 1,857,000 | 1,857,000 | 1,840,000 |
| Total capital | 1,884,000 | 1,899,000 | 1,901,000 | 1,889,000 |
| Risk-weighted assets | 4,879,000 | 5,227,000 | 5,121,000 | 4,992,000 |