Call reports 2015
LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2015
What LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,624,875,000 | 2,763,520,000 | 2,774,953,000 | 2,801,343,000 |
| Total loans | 1,919,782,000 | 2,069,016,000 | 2,037,410,000 | 2,134,136,000 |
| Allowance for loan losses | 13,567,000 | 15,871,000 | 16,181,000 | 16,383,000 |
| Securities available for sale | 179,132,000 | 215,246,000 | 233,859,000 | 173,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 99,156,000 |
| Trading assets | 45,831,000 | 35,585,000 | 56,374,000 | 42,089,000 |
| Total deposits | 2,082,214,000 | 2,199,896,000 | 2,190,274,000 | 2,214,959,000 |
| Interest-bearing deposits | 1,452,353,000 | 1,429,888,000 | 1,462,011,000 | 1,445,599,000 |
| Noninterest-bearing deposits | 629,861,000 | 770,008,000 | 728,263,000 | 769,360,000 |
| Equity capital | 267,309,000 | 278,721,000 | 284,435,000 | 290,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 20,381,000 | 41,210,000 | 62,953,000 | 84,588,000 |
| Interest expense | 1,921,000 | 3,709,000 | 5,511,000 | 7,389,000 |
| Net interest income | 18,460,000 | 37,501,000 | 57,442,000 | 77,199,000 |
| Noninterest income | 13,716,000 | 32,618,000 | 47,431,000 | 62,918,000 |
| Noninterest expense | 15,779,000 | 31,932,000 | 48,667,000 | 65,430,000 |
| Provision for loan losses | 639,000 | 3,090,000 | 4,648,000 | 5,801,000 |
| Pretax income | 15,842,000 | 35,181,000 | 51,649,000 | 68,977,000 |
| Income tax | 5,988,000 | 12,782,000 | 19,043,000 | 25,673,000 |
| Net income | 9,854,000 | 22,399,000 | 32,606,000 | 43,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 230,698,000 | 245,127,000 | 249,092,000 | 256,126,000 |
| Total capital | 244,607,000 | 261,345,000 | 265,615,000 | 272,921,000 |
| Risk-weighted assets | 2,267,894,000 | 2,418,426,000 | 2,419,796,000 | 2,515,601,000 |