Call reports 2006
LAKE RIDGE BANK — 2006
What LAKE RIDGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 478,105,000 | 498,463,000 | 500,586,000 | 643,259,000 |
| Total loans | 377,521,000 | 395,051,000 | 392,061,000 | 473,959,000 |
| Allowance for loan losses | 3,762,000 | 3,813,000 | 3,932,000 | 3,900,000 |
| Securities available for sale | 29,048,000 | 27,841,000 | 28,114,000 | 54,506,000 |
| Securities held to maturity | 28,251,000 | 27,822,000 | 28,250,000 | 29,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,624,000 | 419,797,000 | 422,068,000 | 541,899,000 |
| Interest-bearing deposits | 353,412,000 | 366,114,000 | 371,777,000 | 468,968,000 |
| Noninterest-bearing deposits | 55,212,000 | 53,684,000 | 50,292,000 | 72,931,000 |
| Equity capital | 40,655,000 | 41,179,000 | 42,004,000 | 53,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,876,000 | 14,319,000 | 22,150,000 | 30,782,000 |
| Interest expense | 2,751,000 | 5,987,000 | 9,730,000 | 14,088,000 |
| Net interest income | 4,125,000 | 8,332,000 | 12,420,000 | 16,694,000 |
| Noninterest income | 1,262,000 | 2,585,000 | 3,986,000 | 5,703,000 |
| Noninterest expense | 3,728,000 | 7,357,000 | 11,102,000 | 14,884,000 |
| Provision for loan losses | 200,000 | 400,000 | 600,000 | 633,000 |
| Pretax income | 1,459,000 | 3,160,000 | 4,704,000 | 6,880,000 |
| Income tax | 377,000 | 855,000 | 1,270,000 | 1,920,000 |
| Net income | 1,082,000 | 2,305,000 | 3,434,000 | 4,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,544,000 | 40,235,000 | 40,822,000 | 46,294,000 |
| Total capital | 43,306,000 | 44,048,000 | 44,754,000 | 50,194,000 |
| Risk-weighted assets | 388,549,000 | 405,860,000 | 403,936,000 | 496,897,000 |