Call reports 2011
LAKE CITY BANK — 2011
What LAKE CITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 2,746,108,000 | 2,730,235,000 | 2,823,562,000 | 2,885,445,000 |
| Total loans | 2,105,063,000 | 2,151,535,000 | 2,186,453,000 | 2,236,662,000 |
| Allowance for loan losses | 48,496,000 | 51,260,000 | 52,073,000 | 53,400,000 |
| Securities available for sale | 368,722,000 | 447,585,000 | 464,723,000 | 468,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,293,259,000 | 2,277,379,000 | 2,356,765,000 | 2,413,204,000 |
| Interest-bearing deposits | 1,989,916,000 | 1,966,990,000 | 2,032,693,000 | 2,056,014,000 |
| Noninterest-bearing deposits | 303,343,000 | 310,389,000 | 324,072,000 | 357,190,000 |
| Equity capital | 276,777,000 | 284,937,000 | 294,266,000 | 298,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 30,859,000 | 61,499,000 | 92,028,000 | 122,254,000 |
| Interest expense | 6,957,000 | 14,297,000 | 21,647,000 | 28,758,000 |
| Net interest income | 23,902,000 | 47,202,000 | 70,381,000 | 93,496,000 |
| Noninterest income | 5,028,000 | 10,774,000 | 16,597,000 | 22,186,000 |
| Noninterest expense | 13,770,000 | 27,204,000 | 40,148,000 | 53,182,000 |
| Provision for loan losses | 5,600,000 | 8,500,000 | 10,900,000 | 13,800,000 |
| Pretax income | 9,242,000 | 21,985,000 | 35,610,000 | 48,248,000 |
| Income tax | 2,879,000 | 7,175,000 | 11,889,000 | 15,830,000 |
| Net income | 6,363,000 | 14,797,000 | 23,708,000 | 32,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 270,039,000 | 275,871,000 | 282,197,000 | 288,053,000 |
| Total capital | 298,332,000 | 304,574,000 | 311,514,000 | 318,039,000 |
| Risk-weighted assets | 2,243,215,000 | 2,273,392,000 | 2,321,726,000 | 2,374,752,000 |