Call reports 2004
LAKE CITY BANK — 2004
What LAKE CITY 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 | 1,283,435,000 | 1,335,771,000 | 1,347,143,000 | 1,450,227,000 |
| Total loans | 888,013,000 | 935,432,000 | 954,969,000 | 1,006,209,000 |
| Allowance for loan losses | 10,477,000 | 10,643,000 | 10,741,000 | 10,754,000 |
| Securities available for sale | 287,292,000 | 282,633,000 | 288,557,000 | 290,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,008,191,000 | 1,023,086,000 | 1,043,666,000 | 1,116,353,000 |
| Interest-bearing deposits | 808,834,000 | 811,898,000 | 832,250,000 | 878,138,000 |
| Noninterest-bearing deposits | 199,357,000 | 211,188,000 | 211,416,000 | 238,215,000 |
| Equity capital | 122,210,000 | 121,498,000 | 127,615,000 | 129,533,000 |
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 | 14,220,000 | 28,405,000 | 43,462,000 | 59,763,000 |
| Interest expense | 3,637,000 | 7,169,000 | 10,996,000 | 15,414,000 |
| Net interest income | 10,583,000 | 21,236,000 | 32,466,000 | 44,349,000 |
| Noninterest income | 4,106,000 | 8,192,000 | 12,662,000 | 16,758,000 |
| Noninterest expense | 8,773,000 | 17,874,000 | 27,010,000 | 36,284,000 |
| Provision for loan losses | 252,000 | 498,000 | 648,000 | 1,223,000 |
| Pretax income | 5,664,000 | 11,056,000 | 17,470,000 | 23,600,000 |
| Income tax | 1,913,000 | 3,718,000 | 5,932,000 | 8,034,000 |
| Net income | 3,751,000 | 7,338,000 | 11,538,000 | 15,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,526,000 | 118,797,000 | 120,854,000 | 123,329,000 |
| Total capital | 126,005,000 | 129,440,000 | 131,595,000 | 134,083,000 |
| Risk-weighted assets | 981,423,000 | 1,034,537,000 | 1,048,233,000 | 1,107,118,000 |