Call reports 2012
LAKE RIDGE BANK — 2012
What LAKE RIDGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 782,763,000 | 780,484,000 | 784,839,000 | 812,041,000 |
| Total loans | 589,229,000 | 583,119,000 | 561,392,000 | 528,331,000 |
| Allowance for loan losses | 17,265,000 | 16,992,000 | 15,937,000 | 15,550,000 |
| Securities available for sale | 47,416,000 | 44,693,000 | 50,463,000 | 60,905,000 |
| Securities held to maturity | 50,528,000 | 50,196,000 | 52,747,000 | 61,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 684,279,000 | 678,567,000 | 674,223,000 | 701,921,000 |
| Interest-bearing deposits | 598,675,000 | 580,046,000 | 568,064,000 | 583,342,000 |
| Noninterest-bearing deposits | 85,604,000 | 98,520,000 | 106,159,000 | 118,580,000 |
| Equity capital | 71,285,000 | 74,860,000 | 83,490,000 | 83,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,637,000 | 17,105,000 | 24,929,000 | 32,628,000 |
| Interest expense | 1,265,000 | 2,430,000 | 3,493,000 | 4,470,000 |
| Net interest income | 7,372,000 | 14,675,000 | 21,436,000 | 28,158,000 |
| Noninterest income | 1,988,000 | 3,904,000 | 5,794,000 | 7,213,000 |
| Noninterest expense | 5,888,000 | 11,503,000 | 17,138,000 | 22,498,000 |
| Provision for loan losses | 1,720,000 | 3,220,000 | 4,500,000 | 7,350,000 |
| Pretax income | 1,752,000 | 3,856,000 | 5,592,000 | 5,537,000 |
| Income tax | 564,000 | 1,220,000 | 1,873,000 | 1,810,000 |
| Net income | 1,188,000 | 2,636,000 | 3,719,000 | 3,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,296,000 | 66,947,000 | 75,642,000 | 76,263,000 |
| Total capital | 71,107,000 | 74,630,000 | 83,122,000 | 83,381,000 |
| Risk-weighted assets | 615,412,000 | 605,370,000 | 589,981,000 | 561,020,000 |