Call reports 2009
LAKE RIDGE BANK — 2009
What LAKE RIDGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 705,394,000 | 697,349,000 | 710,462,000 | 721,645,000 |
| Total loans | 544,330,000 | 545,390,000 | 552,974,000 | 564,749,000 |
| Allowance for loan losses | 4,788,000 | 5,631,000 | 6,457,000 | 6,850,000 |
| Securities available for sale | 49,965,000 | 40,726,000 | 38,322,000 | 39,137,000 |
| Securities held to maturity | 41,124,000 | 44,297,000 | 47,378,000 | 47,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 581,235,000 | 577,369,000 | 588,803,000 | 605,188,000 |
| Interest-bearing deposits | 515,505,000 | 509,597,000 | 526,693,000 | 546,740,000 |
| Noninterest-bearing deposits | 65,729,000 | 67,773,000 | 62,110,000 | 58,448,000 |
| Equity capital | 60,166,000 | 60,055,000 | 60,820,000 | 61,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,272,000 | 18,674,000 | 28,103,000 | 37,558,000 |
| Interest expense | 3,981,000 | 7,679,000 | 11,046,000 | 14,116,000 |
| Net interest income | 5,291,000 | 10,995,000 | 17,057,000 | 23,442,000 |
| Noninterest income | 1,916,000 | 3,242,000 | 5,003,000 | 6,682,000 |
| Noninterest expense | 5,559,000 | 11,305,000 | 16,376,000 | 21,376,000 |
| Provision for loan losses | 575,000 | 1,550,000 | 2,525,000 | 3,956,000 |
| Pretax income | 1,073,000 | 1,651,000 | 3,428,000 | 5,061,000 |
| Income tax | 212,000 | 238,000 | 745,000 | 1,190,000 |
| Net income | 861,000 | 1,413,000 | 2,683,000 | 3,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,189,000 | 52,378,000 | 52,985,000 | 53,508,000 |
| Total capital | 56,977,000 | 58,009,000 | 59,442,000 | 60,358,000 |
| Risk-weighted assets | 554,624,000 | 548,448,000 | 553,071,000 | 563,988,000 |