Call reports 2010
LAKE BANK, THE — 2010
What LAKE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 97,252,000 | 100,497,000 | 102,020,000 | 103,501,000 |
| Total loans | 82,773,000 | 80,570,000 | 78,783,000 | 78,209,000 |
| Allowance for loan losses | 1,253,000 | 1,255,000 | 1,576,000 | 1,568,000 |
| Securities available for sale | 7,375,000 | 9,307,000 | 11,072,000 | 12,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,015,000 | 91,108,000 | 92,692,000 | 94,304,000 |
| Interest-bearing deposits | 81,442,000 | 84,531,000 | 84,415,000 | 86,419,000 |
| Noninterest-bearing deposits | 6,573,000 | 6,577,000 | 8,277,000 | 7,885,000 |
| Equity capital | 8,853,000 | 8,991,000 | 8,888,000 | 8,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,336,000 | 2,580,000 | 3,860,000 | 5,110,000 |
| Interest expense | 393,000 | 782,000 | 1,108,000 | 1,359,000 |
| Net interest income | 943,000 | 1,798,000 | 2,752,000 | 3,751,000 |
| Noninterest income | -88,000 | 31,000 | 119,000 | -28,000 |
| Noninterest expense | 690,000 | 1,462,000 | 2,171,000 | 2,915,000 |
| Provision for loan losses | 0 | 47,000 | 372,000 | 372,000 |
| Pretax income | 165,000 | 364,000 | 372,000 | 480,000 |
| Income tax | -71,000 | -2,000 | 159,000 | 15,000 |
| Net income | 236,000 | 366,000 | 213,000 | 465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,401,000 | 8,536,000 | 8,418,000 | 8,768,000 |
| Total capital | 9,307,000 | 9,445,000 | 9,303,000 | 9,657,000 |
| Risk-weighted assets | 72,167,000 | 72,268,000 | 70,087,000 | 70,426,000 |