Call reports 2011
LAKE BANK, THE — 2011
What LAKE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 99,718,000 | 98,158,000 | 99,074,000 | 99,824,000 |
| Total loans | 76,896,000 | 76,679,000 | 73,967,000 | 72,883,000 |
| Allowance for loan losses | 1,476,000 | 1,479,000 | 1,931,000 | 2,203,000 |
| Securities available for sale | 12,266,000 | 12,541,000 | 18,210,000 | 17,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,183,000 | 88,209,000 | 87,528,000 | 89,585,000 |
| Interest-bearing deposits | 83,827,000 | 80,864,000 | 80,118,000 | 82,675,000 |
| Noninterest-bearing deposits | 6,356,000 | 7,345,000 | 7,410,000 | 6,910,000 |
| Equity capital | 9,155,000 | 9,540,000 | 9,512,000 | 9,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,367,000 | 3,494,000 | 4,557,000 |
| Interest expense | 207,000 | 400,000 | 579,000 | 755,000 |
| Net interest income | 996,000 | 1,967,000 | 2,915,000 | 3,802,000 |
| Noninterest income | 103,000 | 140,000 | 127,000 | 50,000 |
| Noninterest expense | 681,000 | 1,387,000 | 2,069,000 | 2,857,000 |
| Provision for loan losses | 0 | 0 | 850,000 | 1,375,000 |
| Pretax income | 432,000 | 717,000 | 120,000 | 34,000 |
| Income tax | 130,000 | 268,000 | 113,000 | -671,000 |
| Net income | 302,000 | 449,000 | 7,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,070,000 | 9,217,000 | 8,775,000 | 8,621,000 |
| Total capital | 9,930,000 | 10,050,000 | 9,593,000 | 9,439,000 |
| Risk-weighted assets | 68,211,000 | 66,026,000 | 64,343,000 | 64,018,000 |