Call reports 2009
LAKE BANK, THE — 2009
What LAKE BANK, THE 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 | 111,605,000 | 106,798,000 | 105,221,000 | 99,568,000 |
| Total loans | 94,878,000 | 90,004,000 | 85,678,000 | 83,956,000 |
| Allowance for loan losses | 793,000 | 788,000 | 1,002,000 | 1,285,000 |
| Securities available for sale | 12,644,000 | 11,198,000 | 12,917,000 | 9,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,167,000 | 94,904,000 | 92,242,000 | 88,791,000 |
| Interest-bearing deposits | 91,310,000 | 87,231,000 | 85,167,000 | 83,161,000 |
| Noninterest-bearing deposits | 6,857,000 | 7,673,000 | 7,075,000 | 5,630,000 |
| Equity capital | 8,945,000 | 8,694,000 | 8,648,000 | 8,595,000 |
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 | 1,526,000 | 2,979,000 | 4,428,000 | 5,825,000 |
| Interest expense | 518,000 | 1,031,000 | 1,504,000 | 1,950,000 |
| Net interest income | 1,008,000 | 1,948,000 | 2,924,000 | 3,875,000 |
| Noninterest income | 147,000 | 296,000 | 436,000 | 573,000 |
| Noninterest expense | 673,000 | 1,462,000 | 2,182,000 | 2,843,000 |
| Provision for loan losses | 488,000 | 1,157,000 | 1,601,000 | 1,881,000 |
| Pretax income | -4,000 | -369,000 | -417,000 | -270,000 |
| Income tax | -28,000 | -192,000 | -137,000 | 10,000 |
| Net income | 24,000 | -177,000 | -280,000 | -280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,499,000 | 8,264,000 | 8,199,000 | 8,162,000 |
| Total capital | 9,292,000 | 9,052,000 | 9,147,000 | 9,093,000 |
| Risk-weighted assets | 83,252,000 | 78,488,000 | 75,819,000 | 74,099,000 |