Call reports 2002
LAKE BANK, THE — 2002
What LAKE BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 72,687,000 | 77,851,000 | 81,447,000 | 82,535,000 |
| Total loans | 50,532,000 | 50,012,000 | 46,942,000 | 45,052,000 |
| Allowance for loan losses | 1,138,000 | 1,132,000 | 1,205,000 | 1,028,000 |
| Securities available for sale | 16,706,000 | 20,030,000 | 22,385,000 | 22,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,739,000 | 68,471,000 | 72,000,000 | 72,976,000 |
| Interest-bearing deposits | 57,148,000 | 61,224,000 | 63,442,000 | 62,789,000 |
| Noninterest-bearing deposits | 6,591,000 | 7,247,000 | 8,558,000 | 10,187,000 |
| Equity capital | 4,213,000 | 4,865,000 | 4,885,000 | 5,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,302,000 | 2,578,000 | 3,767,000 | 4,933,000 |
| Interest expense | 534,000 | 1,057,000 | 1,618,000 | 2,155,000 |
| Net interest income | 768,000 | 1,521,000 | 2,149,000 | 2,778,000 |
| Noninterest income | 187,000 | 421,000 | 748,000 | 1,046,000 |
| Noninterest expense | 783,000 | 1,582,000 | 2,602,000 | 3,517,000 |
| Provision for loan losses | 813,000 | 812,000 | 929,000 | 929,000 |
| Pretax income | -488,000 | -299,000 | -315,000 | -24,000 |
| Income tax | 0 | 8,000 | 8,000 | 8,000 |
| Net income | -488,000 | -307,000 | -323,000 | -32,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,247,000 | 4,428,000 | 4,412,000 | 4,703,000 |
| Total capital | 4,865,000 | 5,052,000 | 5,023,000 | 5,292,000 |
| Risk-weighted assets | 48,887,000 | 49,398,000 | 48,298,000 | 46,708,000 |
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