Call reports 2005
LAKESTONE BANK & TRUST — 2005
What LAKESTONE BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 251,138,000 | 255,144,000 | 256,877,000 | 260,870,000 |
| Total loans | 170,975,000 | 173,572,000 | 178,582,000 | 177,229,000 |
| Allowance for loan losses | 1,991,000 | 1,948,000 | 1,914,000 | 1,863,000 |
| Securities available for sale | 42,267,000 | 40,271,000 | 39,356,000 | 38,329,000 |
| Securities held to maturity | 19,877,000 | 18,663,000 | 18,524,000 | 20,852,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,750,000 | 219,215,000 | 220,459,000 | 224,498,000 |
| Interest-bearing deposits | 175,706,000 | 179,989,000 | 179,486,000 | 186,106,000 |
| Noninterest-bearing deposits | 38,044,000 | 39,226,000 | 40,973,000 | 38,392,000 |
| Equity capital | 33,277,000 | 33,476,000 | 33,795,000 | 33,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,199,000 | 6,540,000 | 10,049,000 | 13,725,000 |
| Interest expense | 725,000 | 1,527,000 | 2,426,000 | 3,503,000 |
| Net interest income | 2,474,000 | 5,013,000 | 7,623,000 | 10,222,000 |
| Noninterest income | 702,000 | 1,431,000 | 2,204,000 | 2,915,000 |
| Noninterest expense | 2,032,000 | 4,128,000 | 6,246,000 | 8,268,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,146,000 | 2,319,000 | 3,584,000 | 4,878,000 |
| Income tax | 260,000 | 533,000 | 836,000 | 1,151,000 |
| Net income | 886,000 | 1,786,000 | 2,748,000 | 3,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,057,000 | 31,482,000 | 31,928,000 | 31,943,000 |
| Total capital | 34,593,000 | 34,696,000 | 35,107,000 | 35,155,000 |
| Risk-weighted assets | 178,943,000 | 181,522,000 | 185,233,000 | 183,432,000 |