Call reports 2015
LAURA STATE BANK — 2015
What LAURA STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 14,935,000 | 16,613,000 | 16,470,000 | 16,254,000 |
| Total loans | 5,074,000 | 5,056,000 | 5,075,000 | 5,955,000 |
| Allowance for loan losses | 111,000 | 111,000 | 111,000 | 111,000 |
| Securities available for sale | 1,024,000 | 1,356,000 | 1,356,000 | 1,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,165,000 | 14,862,000 | 14,709,000 | 14,499,000 |
| Interest-bearing deposits | 9,469,000 | 11,252,000 | 11,301,000 | 10,344,000 |
| Noninterest-bearing deposits | 3,697,000 | 3,610,000 | 3,408,000 | 4,155,000 |
| Equity capital | 1,762,000 | 1,746,000 | 1,755,000 | 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 | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 78,000 | 159,000 | 245,000 | 336,000 |
| Interest expense | 3,000 | 7,000 | 11,000 | 14,000 |
| Net interest income | 75,000 | 152,000 | 234,000 | 322,000 |
| Noninterest income | 13,000 | 28,000 | 45,000 | 61,000 |
| Noninterest expense | 101,000 | 198,000 | 292,000 | 397,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -13,000 | -18,000 | -13,000 | -14,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -13,000 | -18,000 | -13,000 | -14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,747,000 | 1,742,000 | 1,747,000 | 1,743,000 |
| Total capital | 1,806,000 | 1,806,000 | 1,811,000 | 1,810,000 |
| Risk-weighted assets | 4,670,000 | 5,110,000 | 5,039,000 | 5,319,000 |