Call reports 2002
LAKESTONE BANK & TRUST — 2002
What LAKESTONE BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 235,589,000 | 236,125,000 | 232,359,000 | 240,382,000 |
| Total loans | 143,789,000 | 147,524,000 | 151,633,000 | 155,315,000 |
| Allowance for loan losses | 2,195,000 | 2,202,000 | 2,201,000 | 2,165,000 |
| Securities available for sale | 36,548,000 | 40,688,000 | 36,616,000 | 34,691,000 |
| Securities held to maturity | 26,598,000 | 24,983,000 | 24,857,000 | 24,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,079,000 | 205,952,000 | 200,788,000 | 208,421,000 |
| Interest-bearing deposits | 169,913,000 | 169,998,000 | 167,354,000 | 174,715,000 |
| Noninterest-bearing deposits | 36,166,000 | 35,954,000 | 33,434,000 | 33,706,000 |
| Equity capital | 27,301,000 | 28,120,000 | 29,026,000 | 29,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,404,000 | 6,878,000 | 10,324,000 | 13,731,000 |
| Interest expense | 1,013,000 | 2,005,000 | 2,951,000 | 3,803,000 |
| Net interest income | 2,391,000 | 4,873,000 | 7,373,000 | 9,928,000 |
| Noninterest income | 657,000 | 1,351,000 | 2,073,000 | 2,729,000 |
| Noninterest expense | 1,798,000 | 3,699,000 | 5,619,000 | 7,482,000 |
| Provision for loan losses | 60,000 | 110,000 | 130,000 | 130,000 |
| Pretax income | 1,190,000 | 2,415,000 | 3,698,000 | 5,046,000 |
| Income tax | 283,000 | 575,000 | 882,000 | 1,215,000 |
| Net income | 907,000 | 1,840,000 | 2,816,000 | 3,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,512,000 | 26,185,000 | 26,898,000 | 27,159,000 |
| Total capital | 28,521,000 | 29,143,000 | 29,801,000 | 30,261,000 |
| Risk-weighted assets | 148,413,000 | 151,179,000 | 152,833,000 | 157,390,000 |