Call reports 2012
LAKE AREA BANK — 2012
What LAKE AREA BANK 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 | 270,059,000 | 269,227,000 | 275,706,000 | 276,313,000 |
| Total loans | 176,427,000 | 184,851,000 | 185,978,000 | 179,415,000 |
| Allowance for loan losses | 4,673,000 | 5,316,000 | 4,435,000 | 5,187,000 |
| Securities available for sale | 58,539,000 | 56,159,000 | 52,689,000 | 55,551,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,472,000 | 228,129,000 | 240,641,000 | 240,984,000 |
| Interest-bearing deposits | 201,350,000 | 195,330,000 | 203,885,000 | 203,038,000 |
| Noninterest-bearing deposits | 30,122,000 | 32,799,000 | 36,756,000 | 37,946,000 |
| Equity capital | 26,686,000 | 25,331,000 | 26,156,000 | 25,834,000 |
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 | 2,848,000 | 5,672,000 | 8,572,000 | 11,372,000 |
| Interest expense | 525,000 | 942,000 | 1,322,000 | 1,696,000 |
| Net interest income | 2,323,000 | 4,730,000 | 7,250,000 | 9,676,000 |
| Noninterest income | 1,305,000 | 3,038,000 | 4,991,000 | 7,293,000 |
| Noninterest expense | 2,927,000 | 6,384,000 | 9,817,000 | 13,449,000 |
| Provision for loan losses | 450,000 | 2,690,000 | 3,255,000 | 4,345,000 |
| Pretax income | 250,000 | -1,144,000 | -641,000 | -635,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 245,000 | -1,149,000 | -646,000 | -640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,842,000 | 21,470,000 | 21,982,000 | 21,988,000 |
| Total capital | 25,188,000 | 23,933,000 | 24,435,000 | 24,336,000 |
| Risk-weighted assets | 185,342,000 | 194,148,000 | 194,235,000 | 187,015,000 |