Call reports 2004
LAKESTONE BANK & TRUST — 2004
What LAKESTONE BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 250,801,000 | 251,548,000 | 249,487,000 | 252,885,000 |
| Total loans | 158,189,000 | 162,227,000 | 163,961,000 | 167,334,000 |
| Allowance for loan losses | 2,128,000 | 2,025,000 | 2,023,000 | 2,012,000 |
| Securities available for sale | 41,190,000 | 42,634,000 | 44,004,000 | 43,740,000 |
| Securities held to maturity | 22,809,000 | 21,688,000 | 20,674,000 | 20,176,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,283,000 | 217,534,000 | 214,163,000 | 216,815,000 |
| Interest-bearing deposits | 176,788,000 | 177,179,000 | 173,646,000 | 176,199,000 |
| Noninterest-bearing deposits | 39,495,000 | 40,355,000 | 40,517,000 | 40,616,000 |
| Equity capital | 32,307,000 | 32,131,000 | 33,084,000 | 33,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,036,000 | 6,109,000 | 9,179,000 | 12,413,000 |
| Interest expense | 616,000 | 1,199,000 | 1,818,000 | 2,502,000 |
| Net interest income | 2,420,000 | 4,910,000 | 7,361,000 | 9,911,000 |
| Noninterest income | 655,000 | 1,473,000 | 2,146,000 | 3,008,000 |
| Noninterest expense | 2,037,000 | 4,135,000 | 6,170,000 | 8,101,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,041,000 | 2,251,000 | 3,344,000 | 4,825,000 |
| Income tax | 226,000 | 514,000 | 759,000 | 1,140,000 |
| Net income | 815,000 | 1,737,000 | 2,585,000 | 3,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,681,000 | 30,251,000 | 30,569,000 | 30,731,000 |
| Total capital | 33,142,000 | 33,612,000 | 34,016,000 | 34,453,000 |
| Risk-weighted assets | 166,842,000 | 169,738,000 | 171,308,000 | 176,173,000 |