Call reports 2003
LAKE BANK, THE — 2003
What LAKE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 77,920,000 | 72,254,000 | 70,984,000 | 67,519,000 |
| Total loans | 44,377,000 | 43,745,000 | 40,228,000 | 37,721,000 |
| Allowance for loan losses | 1,232,000 | 1,103,000 | 1,309,000 | 1,282,000 |
| Securities available for sale | 21,092,000 | 20,937,000 | 19,217,000 | 19,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,340,000 | 64,230,000 | 65,651,000 | 62,329,000 |
| Interest-bearing deposits | 62,220,000 | 56,936,000 | 57,065,000 | 55,994,000 |
| Noninterest-bearing deposits | 7,120,000 | 7,294,000 | 8,586,000 | 6,335,000 |
| Equity capital | 4,618,000 | 4,421,000 | 2,372,000 | 2,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,031,000 | 2,069,000 | 2,922,000 | 3,818,000 |
| Interest expense | 463,000 | 898,000 | 1,281,000 | 1,617,000 |
| Net interest income | 568,000 | 1,171,000 | 1,641,000 | 2,201,000 |
| Noninterest income | 249,000 | 514,000 | 223,000 | 491,000 |
| Noninterest expense | 842,000 | 1,770,000 | 2,697,000 | 3,598,000 |
| Provision for loan losses | 446,000 | 542,000 | 1,789,000 | 1,790,000 |
| Pretax income | -470,000 | -624,000 | -2,617,000 | -2,691,000 |
| Income tax | 0 | 0 | 25,000 | 26,000 |
| Net income | -470,000 | -624,000 | -2,642,000 | -2,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,433,000 | 4,278,000 | 2,260,000 | 2,186,000 |
| Total capital | 5,003,000 | 4,808,000 | 2,749,000 | 2,638,000 |
| Risk-weighted assets | 44,977,000 | 41,858,000 | 38,338,000 | 35,296,000 |
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