Call reports 2009
LAKE CITY BANK — 2009
What LAKE CITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 2,445,653,000 | 2,402,976,000 | 2,468,735,000 | 2,570,371,000 |
| Total loans | 1,868,564,000 | 1,887,849,000 | 1,943,046,000 | 2,013,531,000 |
| Allowance for loan losses | 21,418,000 | 25,090,000 | 28,778,000 | 32,073,000 |
| Securities available for sale | 398,417,000 | 391,106,000 | 408,225,000 | 410,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,959,549,000 | 1,735,961,000 | 1,821,824,000 | 1,909,942,000 |
| Interest-bearing deposits | 1,743,946,000 | 1,508,866,000 | 1,589,061,000 | 1,591,710,000 |
| Noninterest-bearing deposits | 215,603,000 | 227,095,000 | 232,763,000 | 318,232,000 |
| Equity capital | 237,585,000 | 240,740,000 | 247,989,000 | 250,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 27,948,000 | 56,859,000 | 86,548,000 | 116,659,000 |
| Interest expense | 10,578,000 | 19,537,000 | 27,517,000 | 34,829,000 |
| Net interest income | 17,370,000 | 37,322,000 | 59,031,000 | 81,830,000 |
| Noninterest income | 5,553,000 | 11,484,000 | 16,818,000 | 22,113,000 |
| Noninterest expense | 12,502,000 | 26,422,000 | 39,314,000 | 52,566,000 |
| Provision for loan losses | 4,516,000 | 9,452,000 | 14,952,000 | 21,202,000 |
| Pretax income | 5,905,000 | 12,932,000 | 21,361,000 | 29,953,000 |
| Income tax | 1,715,000 | 3,944,000 | 6,809,000 | 9,685,000 |
| Net income | 4,190,000 | 8,975,000 | 14,539,000 | 20,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 243,272,000 | 245,242,000 | 248,019,000 | 250,932,000 |
| Total capital | 264,690,000 | 270,332,000 | 274,648,000 | 278,453,000 |
| Risk-weighted assets | 2,068,176,000 | 2,081,921,000 | 2,128,008,000 | 2,197,097,000 |