Call reports 2005
LAKE AREA BANK — 2005
What LAKE AREA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 224,392,000 | 234,470,000 | 237,209,000 | 245,609,000 |
| Total loans | 184,896,000 | 199,509,000 | 201,747,000 | 211,768,000 |
| Allowance for loan losses | 1,553,000 | 1,589,000 | 1,661,000 | 1,332,000 |
| Securities available for sale | 16,437,000 | 15,676,000 | 15,203,000 | 13,984,000 |
| Securities held to maturity | 5,266,000 | 5,128,000 | 4,993,000 | 4,886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,190,000 | 177,890,000 | 187,644,000 | 195,580,000 |
| Interest-bearing deposits | 147,164,000 | 149,615,000 | 158,120,000 | 165,562,000 |
| Noninterest-bearing deposits | 28,026,000 | 28,275,000 | 29,524,000 | 30,018,000 |
| Equity capital | 17,658,000 | 18,783,000 | 19,870,000 | 21,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,276,000 | 6,823,000 | 10,584,000 | 14,670,000 |
| Interest expense | 1,126,000 | 2,375,000 | 3,810,000 | 5,360,000 |
| Net interest income | 2,150,000 | 4,448,000 | 6,774,000 | 9,310,000 |
| Noninterest income | 284,000 | 588,000 | 907,000 | 1,210,000 |
| Noninterest expense | 1,464,000 | 2,588,000 | 4,040,000 | 5,518,000 |
| Provision for loan losses | 75,000 | 470,000 | 545,000 | 670,000 |
| Pretax income | 895,000 | 1,975,000 | 3,093,000 | 4,329,000 |
| Income tax | 0 | 5,000 | 5,000 | 5,000 |
| Net income | 895,000 | 1,970,000 | 3,088,000 | 4,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,689,000 | 18,766,000 | 19,885,000 | 21,124,000 |
| Total capital | 19,242,000 | 20,355,000 | 21,546,000 | 22,456,000 |
| Risk-weighted assets | 184,853,000 | 196,492,000 | 199,816,000 | 210,524,000 |
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