Call reports 2006
LAKE CITY BANK — 2006
What LAKE CITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,643,737,000 | 1,726,049,000 | 1,798,027,000 | 1,834,928,000 |
| Total loans | 1,226,780,000 | 1,277,075,000 | 1,332,607,000 | 1,356,011,000 |
| Allowance for loan losses | 13,236,000 | 13,792,000 | 14,288,000 | 14,463,000 |
| Securities available for sale | 293,305,000 | 291,865,000 | 300,244,000 | 296,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,320,366,000 | 1,409,065,000 | 1,535,222,000 | 1,476,420,000 |
| Interest-bearing deposits | 1,101,688,000 | 1,159,921,000 | 1,288,457,000 | 1,217,293,000 |
| Noninterest-bearing deposits | 218,678,000 | 249,144,000 | 246,765,000 | 259,127,000 |
| Equity capital | 145,960,000 | 148,713,000 | 155,171,000 | 158,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 23,993,000 | 49,863,000 | 77,159,000 | 105,653,000 |
| Interest expense | 10,526,000 | 22,674,000 | 36,224,000 | 50,668,000 |
| Net interest income | 13,467,000 | 27,189,000 | 40,935,000 | 54,985,000 |
| Noninterest income | 4,359,000 | 9,104,000 | 13,766,000 | 18,153,000 |
| Noninterest expense | 9,616,000 | 19,240,000 | 29,037,000 | 38,898,000 |
| Provision for loan losses | 453,000 | 1,092,000 | 1,602,000 | 2,817,000 |
| Pretax income | 7,759,000 | 15,907,000 | 23,994,000 | 31,355,000 |
| Income tax | 2,687,000 | 5,552,000 | 8,433,000 | 10,720,000 |
| Net income | 5,072,000 | 10,355,000 | 15,561,000 | 20,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 144,060,000 | 147,643,000 | 151,061,000 | 154,638,000 |
| Total capital | 157,296,000 | 161,435,000 | 165,349,000 | 169,101,000 |
| Risk-weighted assets | 1,315,509,000 | 1,368,428,000 | 1,424,881,000 | 1,448,812,000 |