Call reports 2015
LAKE RIDGE BANK — 2015
What LAKE RIDGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 748,888,000 | 769,720,000 | 780,832,000 | 807,119,000 |
| Total loans | 531,534,000 | 535,541,000 | 542,987,000 | 552,971,000 |
| Allowance for loan losses | 9,108,000 | 9,132,000 | 8,619,000 | 8,707,000 |
| Securities available for sale | 73,743,000 | 71,745,000 | 62,173,000 | 74,157,000 |
| Securities held to maturity | 70,269,000 | 69,245,000 | 68,453,000 | 67,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 633,695,000 | 635,209,000 | 644,237,000 | 682,522,000 |
| Interest-bearing deposits | 524,288,000 | 519,359,000 | 523,147,000 | 558,773,000 |
| Noninterest-bearing deposits | 109,408,000 | 115,850,000 | 121,091,000 | 123,750,000 |
| Equity capital | 91,266,000 | 91,509,000 | 92,723,000 | 93,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,442,000 | 12,607,000 | 19,313,000 | 27,125,000 |
| Interest expense | 487,000 | 995,000 | 1,534,000 | 2,080,000 |
| Net interest income | 5,955,000 | 11,612,000 | 17,779,000 | 25,045,000 |
| Noninterest income | 1,935,000 | 3,441,000 | 5,011,000 | 6,591,000 |
| Noninterest expense | 5,603,000 | 10,994,000 | 16,811,000 | 22,628,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,260,000 | 4,059,000 | 5,979,000 | 9,012,000 |
| Income tax | 769,000 | 1,381,000 | 1,978,000 | 3,235,000 |
| Net income | 1,491,000 | 2,678,000 | 4,001,000 | 5,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,928,000 | 85,701,000 | 86,630,000 | 87,705,000 |
| Total capital | 92,574,000 | 93,318,000 | 94,099,000 | 95,293,000 |
| Risk-weighted assets | 610,267,000 | 607,952,000 | 596,345,000 | 605,912,000 |