Call reports 2007
LAKE NATIONAL BANK — 2007
What LAKE NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 46,968,000 | 52,539,000 | 59,983,000 | 66,680,000 |
| Total loans | 36,733,000 | 43,214,000 | 46,840,000 | 53,631,000 |
| Allowance for loan losses | 321,000 | 351,000 | 375,000 | 399,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,472,000 | 1,486,000 | 1,492,000 | 1,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,722,000 | 43,311,000 | 50,674,000 | 57,316,000 |
| Interest-bearing deposits | 32,572,000 | 36,869,000 | 41,167,000 | 49,176,000 |
| Noninterest-bearing deposits | 5,150,000 | 6,442,000 | 9,507,000 | 8,140,000 |
| Equity capital | 9,072,000 | 9,065,000 | 9,083,000 | 9,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 735,000 | 1,565,000 | 2,520,000 | 3,597,000 |
| Interest expense | 341,000 | 738,000 | 1,198,000 | 1,755,000 |
| Net interest income | 394,000 | 827,000 | 1,322,000 | 1,842,000 |
| Noninterest income | 7,000 | 19,000 | 30,000 | 42,000 |
| Noninterest expense | 434,000 | 856,000 | 1,320,000 | 1,803,000 |
| Provision for loan losses | 30,000 | 60,000 | 84,000 | 108,000 |
| Pretax income | -63,000 | -70,000 | -52,000 | -27,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -63,000 | -70,000 | -52,000 | -27,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,072,000 | 9,065,000 | 9,083,000 | 9,108,000 |
| Total capital | 9,393,000 | 9,416,000 | 9,458,000 | 9,507,000 |
| Risk-weighted assets | 32,699,000 | 37,697,000 | 41,509,000 | 47,909,000 |