Call reports 2009
LAKE NATIONAL BANK — 2009
What LAKE NATIONAL 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 | 83,601,000 | 90,919,000 | 99,853,000 | 95,002,000 |
| Total loans | 70,871,000 | 70,323,000 | 70,445,000 | 75,263,000 |
| Allowance for loan losses | 807,000 | 943,000 | 1,078,000 | 1,298,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,494,000 | 1,494,000 | 2,500,000 | 2,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,950,000 | 81,173,000 | 90,002,000 | 84,912,000 |
| Interest-bearing deposits | 63,013,000 | 67,566,000 | 77,981,000 | 71,848,000 |
| Noninterest-bearing deposits | 10,937,000 | 13,607,000 | 12,021,000 | 13,064,000 |
| Equity capital | 9,401,000 | 9,489,000 | 9,591,000 | 9,829,000 |
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 | 1,161,000 | 2,337,000 | 3,530,000 | 4,742,000 |
| Interest expense | 413,000 | 793,000 | 1,196,000 | 1,513,000 |
| Net interest income | 748,000 | 1,544,000 | 2,334,000 | 3,229,000 |
| Noninterest income | 13,000 | 26,000 | 46,000 | 68,000 |
| Noninterest expense | 549,000 | 1,135,000 | 1,709,000 | 2,349,000 |
| Provision for loan losses | 195,000 | 330,000 | 465,000 | 685,000 |
| Pretax income | 17,000 | 105,000 | 206,000 | 263,000 |
| Income tax | 0 | 0 | 0 | -182,000 |
| Net income | 17,000 | 105,000 | 206,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,401,000 | 9,489,000 | 9,591,000 | 9,829,000 |
| Total capital | 10,208,000 | 10,296,000 | 10,402,000 | 10,693,000 |
| Risk-weighted assets | 64,528,000 | 64,409,000 | 64,646,000 | 68,674,000 |