Call reports 2009
LAURA STATE BANK — 2009
What LAURA STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 11,757,000 | 13,515,000 | 12,567,000 | 12,651,000 |
| Total loans | 5,080,000 | 5,158,000 | 5,232,000 | 5,489,000 |
| Allowance for loan losses | 109,000 | 111,000 | 111,000 | 117,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,748,000 | 1,439,000 | 1,334,000 | 1,342,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,894,000 | 11,635,000 | 10,670,000 | 10,771,000 |
| Interest-bearing deposits | 7,075,000 | 8,638,000 | 7,799,000 | 7,575,000 |
| Noninterest-bearing deposits | 2,819,000 | 2,997,000 | 2,871,000 | 3,196,000 |
| Equity capital | 1,837,000 | 1,860,000 | 1,872,000 | 1,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 106,000 | 220,000 | 338,000 | 453,000 |
| Interest expense | 24,000 | 46,000 | 68,000 | 89,000 |
| Net interest income | 82,000 | 174,000 | 270,000 | 364,000 |
| Noninterest income | 17,000 | 47,000 | 64,000 | 81,000 |
| Noninterest expense | 102,000 | 199,000 | 298,000 | 406,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | -3,000 | 22,000 | 36,000 | 33,000 |
| Income tax | 0 | 2,000 | 4,000 | 2,000 |
| Net income | -3,000 | 20,000 | 32,000 | 31,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,837,000 | 1,860,000 | 1,872,000 | 1,866,000 |
| Total capital | 1,879,000 | 1,903,000 | 1,913,000 | 1,913,000 |
| Risk-weighted assets | 5,269,000 | 5,705,000 | 5,560,000 | 5,703,000 |