Call reports 2001
LAKESTONE BANK & TRUST — 2001
What LAKESTONE BANK & TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 225,630,000 | 223,206,000 | 227,414,000 | 232,239,000 |
| Total loans | 138,366,000 | 138,717,000 | 138,268,000 | 143,053,000 |
| Allowance for loan losses | 2,007,000 | 2,083,000 | 2,160,000 | 2,139,000 |
| Securities available for sale | 32,019,000 | 30,114,000 | 34,939,000 | 36,797,000 |
| Securities held to maturity | 28,245,000 | 27,227,000 | 26,711,000 | 26,531,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,456,000 | 195,711,000 | 198,582,000 | 203,853,000 |
| Interest-bearing deposits | 163,214,000 | 159,465,000 | 163,165,000 | 168,847,000 |
| Noninterest-bearing deposits | 35,242,000 | 36,246,000 | 35,417,000 | 35,006,000 |
| Equity capital | 24,859,000 | 25,472,000 | 26,349,000 | 26,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,935,000 | 7,759,000 | 11,481,000 | 15,052,000 |
| Interest expense | 1,640,000 | 3,095,000 | 4,470,000 | 5,583,000 |
| Net interest income | 2,295,000 | 4,664,000 | 7,011,000 | 9,469,000 |
| Noninterest income | 574,000 | 1,205,000 | 1,847,000 | 2,450,000 |
| Noninterest expense | 1,735,000 | 3,555,000 | 5,356,000 | 7,070,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 195,000 |
| Pretax income | 1,074,000 | 2,199,000 | 3,329,000 | 4,686,000 |
| Income tax | 261,000 | 534,000 | 814,000 | 1,157,000 |
| Net income | 813,000 | 1,665,000 | 2,515,000 | 3,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,277,000 | 23,891,000 | 24,505,000 | 24,865,000 |
| Total capital | 25,008,000 | 26,571,000 | 27,271,000 | 27,701,000 |
| Risk-weighted assets | 138,242,000 | 139,258,000 | 140,028,000 | 144,971,000 |