Call reports 2009
LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2009
What LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,519,128,000 | 1,552,605,000 | 1,846,309,000 | 1,816,422,000 |
| Total loans | 1,145,545,000 | 1,177,034,000 | 1,353,031,000 | 1,354,833,000 |
| Allowance for loan losses | 9,233,000 | 10,363,000 | 12,371,000 | 13,212,000 |
| Securities available for sale | 229,950,000 | 194,714,000 | 259,971,000 | 243,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,171,795,000 | 1,238,398,000 | 1,318,068,000 | 1,403,381,000 |
| Interest-bearing deposits | 1,033,602,000 | 1,089,461,000 | 1,146,980,000 | 1,207,381,000 |
| Noninterest-bearing deposits | 138,193,000 | 148,937,000 | 171,088,000 | 196,000,000 |
| Equity capital | 146,053,000 | 149,772,000 | 173,881,000 | 157,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 15,886,000 | 32,153,000 | 51,243,000 | 72,952,000 |
| Interest expense | 6,938,000 | 13,401,000 | 19,817,000 | 26,041,000 |
| Net interest income | 8,948,000 | 18,752,000 | 31,426,000 | 46,911,000 |
| Noninterest income | 9,267,000 | 20,705,000 | 142,693,000 | 197,277,000 |
| Noninterest expense | 10,715,000 | 21,682,000 | 34,080,000 | 46,903,000 |
| Provision for loan losses | 22,000 | 3,510,000 | 12,969,000 | 18,373,000 |
| Pretax income | 7,425,000 | 14,369,000 | 126,701,000 | 178,543,000 |
| Income tax | 2,845,000 | 5,487,000 | 50,390,000 | 68,731,000 |
| Net income | 4,580,000 | 8,882,000 | 76,311,000 | 109,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,115,000 | 143,387,000 | 164,785,000 | 147,866,000 |
| Total capital | 151,213,000 | 156,614,000 | 195,151,000 | 194,579,000 |
| Risk-weighted assets | 1,385,833,000 | 1,377,637,000 | 1,938,425,000 | 1,841,873,000 |
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