Call reports 2005
LAKE RIDGE BANK — 2005
What LAKE RIDGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 427,216,000 | 445,793,000 | 449,541,000 | 464,126,000 |
| Total loans | 334,442,000 | 335,414,000 | 351,455,000 | 364,023,000 |
| Allowance for loan losses | 3,444,000 | 3,623,000 | 3,684,000 | 3,600,000 |
| Securities available for sale | 26,599,000 | 30,893,000 | 28,609,000 | 28,472,000 |
| Securities held to maturity | 25,880,000 | 25,782,000 | 28,198,000 | 28,602,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,554,000 | 389,463,000 | 383,234,000 | 397,901,000 |
| Interest-bearing deposits | 314,806,000 | 333,698,000 | 328,868,000 | 343,049,000 |
| Noninterest-bearing deposits | 49,748,000 | 55,765,000 | 54,366,000 | 54,853,000 |
| Equity capital | 33,674,000 | 34,441,000 | 39,120,000 | 40,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,614,000 | 11,562,000 | 17,840,000 | 24,573,000 |
| Interest expense | 1,855,000 | 3,863,000 | 6,023,000 | 8,417,000 |
| Net interest income | 3,759,000 | 7,699,000 | 11,817,000 | 16,156,000 |
| Noninterest income | 1,389,000 | 2,695,000 | 3,938,000 | 5,116,000 |
| Noninterest expense | 3,640,000 | 7,146,000 | 10,666,000 | 13,854,000 |
| Provision for loan losses | 213,000 | 425,000 | 567,000 | 494,000 |
| Pretax income | 1,295,000 | 2,823,000 | 4,522,000 | 6,924,000 |
| Income tax | 351,000 | 780,000 | 1,270,000 | 2,017,000 |
| Net income | 944,000 | 2,043,000 | 3,252,000 | 4,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,389,000 | 33,033,000 | 37,793,000 | 38,987,000 |
| Total capital | 35,833,000 | 36,656,000 | 41,477,000 | 42,587,000 |
| Risk-weighted assets | 349,019,000 | 357,067,000 | 364,807,000 | 376,581,000 |