Call reports 2001
LAKE RIDGE BANK — 2001
What LAKE RIDGE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 231,256,000 | 241,016,000 | 252,900,000 | 251,078,000 |
| Total loans | 176,204,000 | 174,615,000 | 169,110,000 | 184,166,000 |
| Allowance for loan losses | 1,586,000 | 1,672,000 | 1,775,000 | 1,750,000 |
| Securities available for sale | 20,284,000 | 21,185,000 | 21,990,000 | 22,447,000 |
| Securities held to maturity | 13,717,000 | 14,773,000 | 16,030,000 | 18,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,301,000 | 204,018,000 | 215,831,000 | 206,646,000 |
| Interest-bearing deposits | 164,914,000 | 168,490,000 | 187,186,000 | 186,601,000 |
| Noninterest-bearing deposits | 28,387,000 | 35,528,000 | 28,645,000 | 20,045,000 |
| Equity capital | 17,792,000 | 18,196,000 | 18,666,000 | 18,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,421,000 | 8,864,000 | 13,236,000 | 17,432,000 |
| Interest expense | 2,338,000 | 4,620,000 | 6,817,000 | 8,794,000 |
| Net interest income | 2,083,000 | 4,244,000 | 6,419,000 | 8,638,000 |
| Noninterest income | 914,000 | 1,918,000 | 2,719,000 | 3,783,000 |
| Noninterest expense | 2,124,000 | 4,339,000 | 6,488,000 | 8,682,000 |
| Provision for loan losses | 191,000 | 338,000 | 439,000 | 587,000 |
| Pretax income | 682,000 | 1,487,000 | 2,211,000 | 3,152,000 |
| Income tax | 125,000 | 315,000 | 444,000 | 652,000 |
| Net income | 557,000 | 1,172,000 | 1,767,000 | 2,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,667,000 | 18,020,000 | 18,352,000 | 18,823,000 |
| Total capital | 19,253,000 | 19,692,000 | 20,127,000 | 20,573,000 |
| Risk-weighted assets | 188,492,000 | 188,405,000 | 190,374,000 | 196,777,000 |