Call reports 2004
LAKESIDE BANK — 2004
What LAKESIDE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 535,708,000 | 556,458,000 | 566,633,000 | 588,322,000 |
| Total loans | 496,163,000 | 514,628,000 | 521,700,000 | 540,252,000 |
| Allowance for loan losses | 7,220,000 | 7,471,000 | 7,736,000 | 8,057,000 |
| Securities available for sale | 20,684,000 | 21,768,000 | 22,560,000 | 20,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,917,000 | 479,133,000 | 492,732,000 | 506,493,000 |
| Interest-bearing deposits | 351,530,000 | 365,251,000 | 374,407,000 | 382,410,000 |
| Noninterest-bearing deposits | 112,387,000 | 113,882,000 | 118,325,000 | 124,083,000 |
| Equity capital | 54,976,000 | 55,989,000 | 58,221,000 | 62,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,332,000 | 15,233,000 | 23,485,000 | 32,201,000 |
| Interest expense | 1,339,000 | 2,752,000 | 4,330,000 | 6,028,000 |
| Net interest income | 5,993,000 | 12,481,000 | 19,155,000 | 26,173,000 |
| Noninterest income | 801,000 | 1,696,000 | 2,579,000 | 3,422,000 |
| Noninterest expense | 3,411,000 | 6,842,000 | 10,343,000 | 13,496,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Pretax income | 3,133,000 | 6,835,000 | 10,641,000 | 15,099,000 |
| Income tax | 47,000 | 101,000 | 157,000 | 240,000 |
| Net income | 3,086,000 | 6,734,000 | 10,484,000 | 14,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,568,000 | 55,851,000 | 58,059,000 | 62,193,000 |
| Total capital | 61,296,000 | 62,821,000 | 65,179,000 | 69,613,000 |
| Risk-weighted assets | 537,736,000 | 557,109,000 | 568,956,000 | 592,986,000 |