Call reports 2014
LAKES STATE BANK — 2014
What LAKES STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 111,213,000 | 116,601,000 | 119,655,000 | 115,262,000 |
| Total loans | 78,834,000 | 79,810,000 | 83,135,000 | 87,062,000 |
| Allowance for loan losses | 1,248,000 | 1,296,000 | 1,312,000 | 1,356,000 |
| Securities available for sale | 20,428,000 | 18,531,000 | 18,529,000 | 18,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,979,000 | 102,153,000 | 104,793,000 | 100,740,000 |
| Interest-bearing deposits | 81,984,000 | 83,305,000 | 84,240,000 | 81,648,000 |
| Noninterest-bearing deposits | 14,995,000 | 18,848,000 | 20,553,000 | 19,092,000 |
| Equity capital | 13,779,000 | 13,915,000 | 14,160,000 | 14,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,254,000 | 2,532,000 | 3,903,000 | 5,292,000 |
| Interest expense | 126,000 | 249,000 | 376,000 | 499,000 |
| Net interest income | 1,128,000 | 2,283,000 | 3,527,000 | 4,793,000 |
| Noninterest income | 351,000 | 774,000 | 1,181,000 | 1,541,000 |
| Noninterest expense | 1,075,000 | 2,176,000 | 3,297,000 | 4,211,000 |
| Provision for loan losses | 50,000 | 100,000 | 149,000 | 199,000 |
| Pretax income | 354,000 | 781,000 | 1,262,000 | 1,924,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | 353,000 | 780,000 | 1,260,000 | 1,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,258,000 | 12,291,000 | 12,537,000 | 12,653,000 |
| Total capital | 13,224,000 | 13,275,000 | 13,551,000 | 13,692,000 |
| Risk-weighted assets | 77,230,000 | 78,439,000 | 80,811,000 | 82,828,000 |
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