Call reports 2015
LAKE NATIONAL BANK — 2015
What LAKE NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 143,382,000 | 150,461,000 | 152,195,000 | 152,976,000 |
| Total loans | 118,948,000 | 121,363,000 | 125,011,000 | 122,430,000 |
| Allowance for loan losses | 2,164,000 | 2,090,000 | 2,207,000 | 1,860,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,498,000 | 1,497,000 | 1,477,000 | 1,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,820,000 | 132,618,000 | 134,136,000 | 134,809,000 |
| Interest-bearing deposits | 105,898,000 | 108,925,000 | 108,707,000 | 107,217,000 |
| Noninterest-bearing deposits | 19,922,000 | 23,693,000 | 25,429,000 | 27,592,000 |
| Equity capital | 13,867,000 | 13,991,000 | 14,081,000 | 14,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,568,000 | 3,131,000 | 4,699,000 | 6,298,000 |
| Interest expense | 172,000 | 349,000 | 523,000 | 707,000 |
| Net interest income | 1,396,000 | 2,782,000 | 4,176,000 | 5,591,000 |
| Noninterest income | 114,000 | 239,000 | 395,000 | 534,000 |
| Noninterest expense | 995,000 | 1,996,000 | 3,084,000 | 4,171,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 660,000 |
| Pretax income | 350,000 | 695,000 | 992,000 | 1,294,000 |
| Income tax | 113,000 | 224,000 | 321,000 | 418,000 |
| Net income | 237,000 | 471,000 | 671,000 | 876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,867,000 | 13,991,000 | 14,081,000 | 14,176,000 |
| Total capital | 15,383,000 | 15,549,000 | 15,738,000 | 15,813,000 |
| Risk-weighted assets | 120,705,000 | 124,153,000 | 132,066,000 | 130,771,000 |