Call reports 2003
LAKE CITY BANK — 2003
What LAKE CITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,219,884,000 | 1,237,885,000 | 1,246,500,000 | 1,269,373,000 |
| Total loans | 833,865,000 | 850,585,000 | 857,456,000 | 874,313,000 |
| Allowance for loan losses | 9,742,000 | 9,786,000 | 10,064,000 | 10,234,000 |
| Securities available for sale | 280,810,000 | 275,930,000 | 280,929,000 | 284,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 964,145,000 | 967,398,000 | 1,002,443,000 | 928,252,000 |
| Interest-bearing deposits | 793,936,000 | 782,808,000 | 808,779,000 | 740,657,000 |
| Noninterest-bearing deposits | 170,209,000 | 184,590,000 | 193,664,000 | 187,595,000 |
| Equity capital | 102,970,000 | 105,812,000 | 107,559,000 | 117,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 15,501,000 | 31,080,000 | 45,950,000 | 60,497,000 |
| Interest expense | 4,439,000 | 8,769,000 | 12,733,000 | 16,414,000 |
| Net interest income | 11,062,000 | 22,311,000 | 33,217,000 | 44,083,000 |
| Noninterest income | 4,324,000 | 9,208,000 | 13,644,000 | 17,714,000 |
| Noninterest expense | 8,874,000 | 18,031,000 | 27,041,000 | 36,414,000 |
| Provision for loan losses | 667,000 | 1,384,000 | 1,764,000 | 2,254,000 |
| Pretax income | 5,845,000 | 12,104,000 | 18,048,000 | 23,629,000 |
| Income tax | 2,006,000 | 4,182,000 | 6,217,000 | 8,053,000 |
| Net income | 3,839,000 | 7,922,000 | 11,831,000 | 15,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,293,000 | 98,411,000 | 101,540,000 | 112,676,000 |
| Total capital | 104,037,000 | 108,200,000 | 111,605,000 | 122,910,000 |
| Risk-weighted assets | 923,375,000 | 944,484,000 | 952,065,000 | 971,366,000 |