Call reports 2007
LAKE BANK, THE — 2007
What LAKE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 90,280,000 | 99,806,000 | 103,444,000 | 101,872,000 |
| Total loans | 70,658,000 | 79,406,000 | 83,771,000 | 85,379,000 |
| Allowance for loan losses | 806,000 | 802,000 | 875,000 | 886,000 |
| Securities available for sale | 16,186,000 | 15,900,000 | 15,379,000 | 11,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,570,000 | 82,188,000 | 91,186,000 | 87,446,000 |
| Interest-bearing deposits | 72,881,000 | 73,246,000 | 82,207,000 | 81,224,000 |
| Noninterest-bearing deposits | 7,689,000 | 8,942,000 | 8,979,000 | 6,222,000 |
| Equity capital | 7,021,000 | 7,338,000 | 7,597,000 | 7,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,501,000 | 3,062,000 | 4,839,000 | 6,541,000 |
| Interest expense | 720,000 | 1,468,000 | 2,349,000 | 3,217,000 |
| Net interest income | 781,000 | 1,594,000 | 2,490,000 | 3,324,000 |
| Noninterest income | 141,000 | 272,000 | 394,000 | 520,000 |
| Noninterest expense | 616,000 | 1,236,000 | 1,852,000 | 2,527,000 |
| Provision for loan losses | -200,000 | -200,000 | -123,000 | -113,000 |
| Pretax income | 506,000 | 830,000 | 1,155,000 | 1,432,000 |
| Income tax | 103,000 | 152,000 | 321,000 | 415,000 |
| Net income | 403,000 | 678,000 | 834,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,983,000 | 7,140,000 | 7,362,000 | 7,576,000 |
| Total capital | 7,707,000 | 7,942,000 | 8,237,000 | 8,462,000 |
| Risk-weighted assets | 57,873,000 | 65,328,000 | 72,616,000 | 74,031,000 |
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