Call reports 2012
LAKE NATIONAL BANK — 2012
What LAKE NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 120,988,000 | 122,062,000 | 119,524,000 | 128,541,000 |
| Total loans | 92,145,000 | 94,322,000 | 95,469,000 | 98,278,000 |
| Allowance for loan losses | 1,832,000 | 1,792,000 | 1,891,000 | 2,011,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,509,000 | 1,506,000 | 1,503,000 | 1,753,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,449,000 | 109,152,000 | 106,785,000 | 115,410,000 |
| Interest-bearing deposits | 90,901,000 | 94,336,000 | 92,684,000 | 94,748,000 |
| Noninterest-bearing deposits | 17,548,000 | 14,816,000 | 14,101,000 | 20,662,000 |
| Equity capital | 11,726,000 | 11,971,000 | 12,184,000 | 12,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,435,000 | 2,883,000 | 4,357,000 | 5,868,000 |
| Interest expense | 209,000 | 416,000 | 627,000 | 843,000 |
| Net interest income | 1,226,000 | 2,467,000 | 3,730,000 | 5,025,000 |
| Noninterest income | 97,000 | 146,000 | 264,000 | 370,000 |
| Noninterest expense | 771,000 | 1,529,000 | 2,286,000 | 3,093,000 |
| Provision for loan losses | 150,000 | 315,000 | 450,000 | 585,000 |
| Pretax income | 402,000 | 769,000 | 1,258,000 | 1,717,000 |
| Income tax | 137,000 | 259,000 | 425,000 | 592,000 |
| Net income | 265,000 | 510,000 | 833,000 | 1,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,725,000 | 11,969,000 | 12,181,000 | 12,362,000 |
| Total capital | 12,789,000 | 13,067,000 | 13,296,000 | 13,516,000 |
| Risk-weighted assets | 84,332,000 | 87,108,000 | 88,503,000 | 91,563,000 |