Call reports 2013
LAKE NATIONAL BANK — 2013
What LAKE NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 128,757,000 | 129,009,000 | 138,522,000 | 138,421,000 |
| Total loans | 101,859,000 | 98,524,000 | 99,465,000 | 102,616,000 |
| Allowance for loan losses | 2,109,000 | 1,944,000 | 2,005,000 | 2,140,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,502,000 | 1,502,000 | 1,501,000 | 1,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,739,000 | 115,607,000 | 124,838,000 | 124,394,000 |
| Interest-bearing deposits | 98,691,000 | 96,330,000 | 107,542,000 | 103,427,000 |
| Noninterest-bearing deposits | 17,048,000 | 19,277,000 | 17,296,000 | 20,967,000 |
| Equity capital | 12,653,000 | 12,878,000 | 12,967,000 | 13,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,517,000 | 3,122,000 | 4,611,000 | 6,117,000 |
| Interest expense | 218,000 | 434,000 | 652,000 | 863,000 |
| Net interest income | 1,299,000 | 2,688,000 | 3,959,000 | 5,254,000 |
| Noninterest income | 96,000 | 176,000 | 233,000 | 319,000 |
| Noninterest expense | 825,000 | 1,751,000 | 2,637,000 | 3,488,000 |
| Provision for loan losses | 135,000 | 320,000 | 455,000 | 590,000 |
| Pretax income | 435,000 | 793,000 | 1,100,000 | 1,495,000 |
| Income tax | 148,000 | 281,000 | 389,000 | 512,000 |
| Net income | 287,000 | 512,000 | 711,000 | 983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,648,000 | 12,872,000 | 12,961,000 | 13,233,000 |
| Total capital | 13,838,000 | 14,034,000 | 14,186,000 | 14,520,000 |
| Risk-weighted assets | 94,341,000 | 92,183,000 | 97,089,000 | 102,215,000 |