Call reports 2012
LAKE BANK, THE — 2012
What LAKE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 105,533,000 | 104,618,000 | 100,239,000 | 101,236,000 |
| Total loans | 78,057,000 | 81,351,000 | 71,067,000 | 68,495,000 |
| Allowance for loan losses | 2,322,000 | 2,305,000 | 1,590,000 | 1,095,000 |
| Securities available for sale | 18,793,000 | 16,439,000 | 19,354,000 | 19,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,254,000 | 88,230,000 | 89,903,000 | 90,762,000 |
| Interest-bearing deposits | 81,443,000 | 82,220,000 | 81,979,000 | 83,011,000 |
| Noninterest-bearing deposits | 7,811,000 | 6,010,000 | 7,924,000 | 7,751,000 |
| Equity capital | 9,982,000 | 10,017,000 | 10,160,000 | 9,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,036,000 | 2,137,000 | 3,171,000 | 4,133,000 |
| Interest expense | 170,000 | 332,000 | 456,000 | 561,000 |
| Net interest income | 866,000 | 1,805,000 | 2,715,000 | 3,572,000 |
| Noninterest income | 148,000 | -316,000 | -271,000 | -187,000 |
| Noninterest expense | 688,000 | 1,470,000 | 2,177,000 | 2,924,000 |
| Provision for loan losses | 165,000 | 165,000 | 165,000 | 165,000 |
| Pretax income | 161,000 | 78,000 | 326,000 | 520,000 |
| Income tax | 50,000 | -6,000 | 78,000 | 142,000 |
| Net income | 111,000 | 84,000 | 248,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,731,000 | 8,821,000 | 9,050,000 | 9,038,000 |
| Total capital | 9,617,000 | 9,731,000 | 9,811,000 | 9,811,000 |
| Risk-weighted assets | 69,472,000 | 71,368,000 | 60,070,000 | 61,500,000 |