Call reports 2002
LAKE CITY BANK — 2002
What LAKE CITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 1,104,613,000 | 1,184,822,000 | 1,166,652,000 | 1,242,739,000 |
| Total loans | 749,362,000 | 765,405,000 | 793,701,000 | 833,071,000 |
| Allowance for loan losses | 8,309,000 | 8,884,000 | 9,082,000 | 9,533,000 |
| Securities available for sale | 278,190,000 | 280,222,000 | 281,120,000 | 282,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 848,062,000 | 844,810,000 | 879,103,000 | 914,767,000 |
| Interest-bearing deposits | 705,312,000 | 683,623,000 | 715,262,000 | 720,658,000 |
| Noninterest-bearing deposits | 142,750,000 | 161,187,000 | 163,841,000 | 194,109,000 |
| Equity capital | 93,958,000 | 98,280,000 | 100,600,000 | 102,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 16,112,000 | 32,441,000 | 48,704,000 | 64,508,000 |
| Interest expense | 5,389,000 | 10,550,000 | 15,684,000 | 20,707,000 |
| Net interest income | 10,723,000 | 21,891,000 | 33,020,000 | 43,801,000 |
| Noninterest income | 3,298,000 | 6,795,000 | 10,342,000 | 14,579,000 |
| Noninterest expense | 8,485,000 | 16,923,000 | 25,779,000 | 34,078,000 |
| Provision for loan losses | 502,000 | 1,249,000 | 2,290,000 | 3,056,000 |
| Pretax income | 5,034,000 | 10,530,000 | 15,348,000 | 21,301,000 |
| Income tax | 1,761,000 | 3,710,000 | 5,394,000 | 7,498,000 |
| Net income | 3,273,000 | 6,820,000 | 9,954,000 | 13,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,748,000 | 88,044,000 | 90,159,000 | 92,046,000 |
| Total capital | 94,057,000 | 96,928,000 | 99,241,000 | 101,579,000 |
| Risk-weighted assets | 828,872,000 | 857,144,000 | 870,190,000 | 927,920,000 |