Call reports 2009
LAKES STATE BANK — 2009
What LAKES STATE BANK 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 | 97,585,000 | 99,409,000 | 105,017,000 | 101,317,000 |
| Total loans | 76,676,000 | 79,314,000 | 75,477,000 | 72,604,000 |
| Allowance for loan losses | 1,007,000 | 1,013,000 | 1,000,000 | 924,000 |
| Securities available for sale | 6,886,000 | 7,548,000 | 8,877,000 | 9,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,758,000 | 84,568,000 | 89,976,000 | 88,447,000 |
| Interest-bearing deposits | 73,608,000 | 73,534,000 | 78,688,000 | 78,379,000 |
| Noninterest-bearing deposits | 9,150,000 | 11,034,000 | 11,288,000 | 10,068,000 |
| Equity capital | 11,293,000 | 11,254,000 | 11,437,000 | 11,474,000 |
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 | 1,454,000 | 2,909,000 | 4,362,000 | 5,745,000 |
| Interest expense | 498,000 | 981,000 | 1,470,000 | 1,930,000 |
| Net interest income | 956,000 | 1,928,000 | 2,892,000 | 3,815,000 |
| Noninterest income | 344,000 | 678,000 | 1,004,000 | 1,273,000 |
| Noninterest expense | 872,000 | 1,805,000 | 2,728,000 | 3,594,000 |
| Provision for loan losses | 147,000 | 247,000 | 347,000 | 447,000 |
| Pretax income | 281,000 | 554,000 | 821,000 | 1,047,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 280,000 | 553,000 | 819,000 | 1,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,389,000 | 9,389,000 | 9,536,000 | 9,613,000 |
| Total capital | 10,330,000 | 10,351,000 | 10,448,000 | 10,502,000 |
| Risk-weighted assets | 75,236,000 | 76,898,000 | 72,908,000 | 71,058,000 |
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