Call reports 2004
LAKE RIDGE BANK — 2004
What LAKE RIDGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 397,171,000 | 409,209,000 | 416,775,000 | 426,802,000 |
| Total loans | 304,420,000 | 318,167,000 | 325,788,000 | 324,933,000 |
| Allowance for loan losses | 3,152,000 | 3,238,000 | 3,301,000 | 3,250,000 |
| Securities available for sale | 28,083,000 | 28,055,000 | 27,302,000 | 26,564,000 |
| Securities held to maturity | 24,938,000 | 24,857,000 | 26,128,000 | 26,460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,913,000 | 346,162,000 | 356,546,000 | 367,827,000 |
| Interest-bearing deposits | 287,417,000 | 294,148,000 | 306,704,000 | 317,574,000 |
| Noninterest-bearing deposits | 45,495,000 | 52,013,000 | 49,842,000 | 50,253,000 |
| Equity capital | 31,471,000 | 31,734,000 | 32,638,000 | 33,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,144,000 | 10,385,000 | 15,769,000 | 21,325,000 |
| Interest expense | 1,680,000 | 3,307,000 | 5,044,000 | 6,860,000 |
| Net interest income | 3,464,000 | 7,078,000 | 10,725,000 | 14,465,000 |
| Noninterest income | 1,768,000 | 3,326,000 | 4,666,000 | 6,078,000 |
| Noninterest expense | 3,633,000 | 7,177,000 | 10,661,000 | 13,919,000 |
| Provision for loan losses | 175,000 | 350,000 | 525,000 | 629,000 |
| Pretax income | 1,423,000 | 2,876,000 | 4,204,000 | 5,995,000 |
| Income tax | 406,000 | 802,000 | 1,002,000 | 1,478,000 |
| Net income | 1,017,000 | 2,074,000 | 3,202,000 | 4,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,755,000 | 30,366,000 | 31,055,000 | 31,904,000 |
| Total capital | 32,907,000 | 33,604,000 | 34,356,000 | 35,154,000 |
| Risk-weighted assets | 316,209,000 | 324,391,000 | 338,400,000 | 340,172,000 |