Call reports 2016
LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2016
What LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,860,617,000 | 3,149,107,000 | 3,423,824,000 | 3,291,586,000 |
| Total loans | 2,043,754,000 | 2,238,426,000 | 2,458,594,000 | 2,539,268,000 |
| Allowance for loan losses | 17,336,000 | 17,031,000 | 14,408,000 | 16,019,000 |
| Securities available for sale | 87,968,000 | 89,823,000 | 177,368,000 | 168,691,000 |
| Securities held to maturity | 116,530,000 | 133,126,000 | 151,253,000 | 116,081,000 |
| Trading assets | 72,780,000 | 89,468,000 | 80,384,000 | 41,345,000 |
| Total deposits | 2,229,377,000 | 2,470,232,000 | 2,735,062,000 | 2,648,829,000 |
| Interest-bearing deposits | 1,541,078,000 | 1,610,549,000 | 1,986,392,000 | 1,882,855,000 |
| Noninterest-bearing deposits | 688,299,000 | 859,683,000 | 748,670,000 | 765,974,000 |
| Equity capital | 309,882,000 | 324,188,000 | 368,685,000 | 366,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 21,885,000 | 45,233,000 | 72,196,000 | 101,129,000 |
| Interest expense | 1,967,000 | 4,018,000 | 6,452,000 | 9,146,000 |
| Net interest income | 19,918,000 | 41,215,000 | 65,744,000 | 91,983,000 |
| Noninterest income | 16,167,000 | 34,769,000 | 52,053,000 | 68,662,000 |
| Noninterest expense | 16,546,000 | 34,043,000 | 52,518,000 | 71,608,000 |
| Provision for loan losses | 1,464,000 | 2,718,000 | 1,842,000 | 5,193,000 |
| Pretax income | 18,271,000 | 39,541,000 | 64,226,000 | 84,781,000 |
| Income tax | 6,681,000 | 14,688,000 | 24,046,000 | 31,879,000 |
| Net income | 11,590,000 | 24,853,000 | 40,180,000 | 52,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 275,260,000 | 289,808,000 | 333,950,000 | 331,882,000 |
| Total capital | 292,917,000 | 307,263,000 | 348,510,000 | 348,057,000 |
| Risk-weighted assets | 2,483,579,000 | 2,704,069,000 | 2,925,186,000 | 2,965,733,000 |