Call reports 2006
LAKES STATE BANK — 2006
What LAKES STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 78,629,000 | 86,040,000 | 86,228,000 | 83,885,000 |
| Total loans | 64,742,000 | 67,129,000 | 67,411,000 | 64,559,000 |
| Allowance for loan losses | 885,000 | 977,000 | 827,000 | 812,000 |
| Securities available for sale | 5,662,000 | 5,656,000 | 5,687,000 | 5,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,073,000 | 76,282,000 | 75,997,000 | 74,407,000 |
| Interest-bearing deposits | 58,052,000 | 61,285,000 | 62,152,000 | 62,932,000 |
| Noninterest-bearing deposits | 11,021,000 | 14,997,000 | 13,845,000 | 11,475,000 |
| Equity capital | 9,139,000 | 9,248,000 | 9,620,000 | 8,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,401,000 | 2,917,000 | 4,522,000 | 6,156,000 |
| Interest expense | 490,000 | 1,024,000 | 1,629,000 | 2,280,000 |
| Net interest income | 911,000 | 1,893,000 | 2,893,000 | 3,876,000 |
| Noninterest income | 393,000 | 883,000 | 1,291,000 | 1,646,000 |
| Noninterest expense | 752,000 | 1,502,000 | 2,270,000 | 3,025,000 |
| Provision for loan losses | 45,000 | 140,000 | 185,000 | 230,000 |
| Pretax income | 507,000 | 1,134,000 | 1,729,000 | 2,267,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 506,000 | 1,133,000 | 1,727,000 | 2,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,330,000 | 7,453,000 | 7,789,000 | 7,089,000 |
| Total capital | 8,173,000 | 8,330,000 | 8,616,000 | 7,901,000 |
| Risk-weighted assets | 67,436,000 | 70,076,000 | 70,342,000 | 68,736,000 |
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