Call reports 2023
LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2023
What LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 7,418,798,000 | 7,864,338,000 | 8,162,242,000 | 8,066,255,000 |
| Total loans | 5,222,733,000 | 5,828,642,000 | 5,565,252,000 | 5,672,020,000 |
| Allowance for loan losses | 34,183,000 | 36,953,000 | 35,056,000 | 42,567,000 |
| Securities available for sale | 387,628,000 | 369,093,000 | 350,405,000 | 362,408,000 |
| Securities held to maturity | 570,327,000 | 563,145,000 | 628,705,000 | 620,904,000 |
| Trading assets | 155,998,000 | 183,420,000 | 202,924,000 | 148,435,000 |
| Total deposits | 5,405,780,000 | 5,712,890,000 | 6,139,491,000 | 6,018,144,000 |
| Interest-bearing deposits | 3,839,717,000 | 3,978,249,000 | 4,463,955,000 | 4,298,080,000 |
| Noninterest-bearing deposits | 1,566,063,000 | 1,734,641,000 | 1,675,536,000 | 1,720,064,000 |
| Equity capital | 719,635,000 | 713,161,000 | 711,749,000 | 787,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 91,575,000 | 193,827,000 | 305,198,000 | 419,902,000 |
| Interest expense | 27,339,000 | 66,110,000 | 107,733,000 | 152,635,000 |
| Net interest income | 64,236,000 | 127,717,000 | 197,465,000 | 267,267,000 |
| Noninterest income | 39,191,000 | 77,505,000 | 116,268,000 | 157,865,000 |
| Noninterest expense | 43,737,000 | 89,327,000 | 133,604,000 | 184,952,000 |
| Provision for loan losses | 5,386,000 | 8,324,000 | 7,634,000 | 15,449,000 |
| Pretax income | 55,105,000 | 107,777,000 | 173,963,000 | 225,857,000 |
| Income tax | 14,796,000 | 28,529,000 | 46,466,000 | 60,258,000 |
| Net income | 40,309,000 | 79,248,000 | 127,497,000 | 165,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 730,497,000 | 740,397,000 | 758,338,000 | 804,011,000 |
| Total capital | 771,221,000 | 784,183,000 | 798,515,000 | 852,471,000 |
| Risk-weighted assets | 6,193,936,000 | 6,846,017,000 | 6,639,406,000 | 6,834,602,000 |