Call reports 2004
LAKE AREA BANK — 2004
What LAKE AREA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 204,336,000 | 204,893,000 | 210,661,000 | 221,181,000 |
| Total loans | 164,747,000 | 167,322,000 | 175,090,000 | 179,683,000 |
| Allowance for loan losses | 1,234,000 | 1,293,000 | 1,414,000 | 1,493,000 |
| Securities available for sale | 18,323,000 | 16,439,000 | 15,079,000 | 16,067,000 |
| Securities held to maturity | 6,646,000 | 6,483,000 | 6,321,000 | 5,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,626,000 | 151,714,000 | 154,121,000 | 171,101,000 |
| Interest-bearing deposits | 121,770,000 | 123,366,000 | 123,753,000 | 143,212,000 |
| Noninterest-bearing deposits | 33,856,000 | 28,348,000 | 30,368,000 | 27,889,000 |
| Equity capital | 17,620,000 | 18,224,000 | 17,663,000 | 18,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,825,000 | 5,760,000 | 8,730,000 | 11,814,000 |
| Interest expense | 819,000 | 1,651,000 | 2,551,000 | 3,582,000 |
| Net interest income | 2,006,000 | 4,109,000 | 6,179,000 | 8,232,000 |
| Noninterest income | 237,000 | 531,000 | 846,000 | 1,155,000 |
| Noninterest expense | 1,310,000 | 2,718,000 | 4,156,000 | 5,583,000 |
| Provision for loan losses | 75,000 | 150,000 | 270,000 | 395,000 |
| Pretax income | 1,060,000 | 1,974,000 | 2,805,000 | 3,615,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,060,000 | 1,974,000 | 2,805,000 | 3,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,346,000 | 18,258,000 | 17,503,000 | 18,315,000 |
| Total capital | 18,580,000 | 19,551,000 | 18,917,000 | 19,808,000 |
| Risk-weighted assets | 167,046,000 | 168,542,000 | 173,961,000 | 179,056,000 |
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