Call reports 2007
LAKE CITY BANK — 2007
What LAKE CITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,816,442,000 | 1,820,911,000 | 1,882,589,000 | 1,987,544,000 |
| Total loans | 1,379,030,000 | 1,401,620,000 | 1,449,580,000 | 1,524,257,000 |
| Allowance for loan losses | 14,758,000 | 15,351,000 | 15,074,000 | 15,801,000 |
| Securities available for sale | 299,238,000 | 298,029,000 | 321,710,000 | 328,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,499,030,000 | 1,410,563,000 | 1,463,196,000 | 1,480,287,000 |
| Interest-bearing deposits | 1,244,049,000 | 1,168,383,000 | 1,244,242,000 | 1,223,570,000 |
| Noninterest-bearing deposits | 254,981,000 | 242,180,000 | 218,954,000 | 256,717,000 |
| Equity capital | 162,522,000 | 164,185,000 | 170,720,000 | 174,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 28,327,000 | 57,652,000 | 87,817,000 | 118,243,000 |
| Interest expense | 14,510,000 | 29,431,000 | 45,139,000 | 60,791,000 |
| Net interest income | 13,817,000 | 28,221,000 | 42,678,000 | 57,452,000 |
| Noninterest income | 4,336,000 | 9,389,000 | 14,248,000 | 19,141,000 |
| Noninterest expense | 9,955,000 | 20,020,000 | 30,588,000 | 41,654,000 |
| Provision for loan losses | 641,000 | 1,547,000 | 3,244,000 | 4,298,000 |
| Pretax income | 7,594,000 | 16,079,000 | 23,130,000 | 30,730,000 |
| Income tax | 2,344,000 | 5,085,000 | 7,279,000 | 9,586,000 |
| Net income | 5,250,000 | 10,994,000 | 15,851,000 | 21,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 157,762,000 | 161,499,000 | 166,932,000 | 169,779,000 |
| Total capital | 172,520,000 | 176,850,000 | 182,006,000 | 185,580,000 |
| Risk-weighted assets | 1,458,503,000 | 1,481,287,000 | 1,539,584,000 | 1,626,946,000 |