Call reports 2005
LAKE CITY BANK — 2005
What LAKE CITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,424,250,000 | 1,537,061,000 | 1,555,887,000 | 1,634,221,000 |
| Total loans | 1,024,911,000 | 1,098,317,000 | 1,148,845,000 | 1,199,690,000 |
| Allowance for loan losses | 11,115,000 | 11,724,000 | 12,233,000 | 12,774,000 |
| Securities available for sale | 288,101,000 | 293,281,000 | 293,053,000 | 293,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,135,564,000 | 1,127,493,000 | 1,251,552,000 | 1,267,816,000 |
| Interest-bearing deposits | 904,155,000 | 893,458,000 | 1,022,728,000 | 1,018,640,000 |
| Noninterest-bearing deposits | 231,409,000 | 234,035,000 | 228,824,000 | 249,176,000 |
| Equity capital | 130,819,000 | 137,419,000 | 139,966,000 | 143,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 17,498,000 | 36,741,000 | 57,718,000 | 80,604,000 |
| Interest expense | 5,187,000 | 11,394,000 | 19,270,000 | 28,362,000 |
| Net interest income | 12,311,000 | 25,347,000 | 38,448,000 | 52,242,000 |
| Noninterest income | 4,080,000 | 8,232,000 | 12,542,000 | 17,733,000 |
| Noninterest expense | 9,282,000 | 18,461,000 | 27,743,000 | 37,702,000 |
| Provision for loan losses | 458,000 | 1,120,000 | 1,779,000 | 2,480,000 |
| Pretax income | 6,651,000 | 13,998,000 | 21,468,000 | 29,724,000 |
| Income tax | 2,297,000 | 4,889,000 | 7,497,000 | 10,399,000 |
| Net income | 4,354,000 | 9,109,000 | 13,971,000 | 19,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,749,000 | 131,569,000 | 135,711,000 | 139,599,000 |
| Total capital | 137,864,000 | 143,294,000 | 147,944,000 | 152,373,000 |
| Risk-weighted assets | 1,122,047,000 | 1,202,450,000 | 1,235,046,000 | 1,293,882,000 |