Call reports 2006
LAKESTONE BANK & TRUST — 2006
What LAKESTONE BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 264,929,000 | 269,009,000 | 264,281,000 | 265,979,000 |
| Total loans | 186,088,000 | 188,865,000 | 189,353,000 | 186,265,000 |
| Allowance for loan losses | 1,857,000 | 1,855,000 | 1,802,000 | 1,825,000 |
| Securities available for sale | 37,611,000 | 36,056,000 | 36,013,000 | 35,207,000 |
| Securities held to maturity | 20,787,000 | 20,292,000 | 20,146,000 | 20,562,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,629,000 | 234,301,000 | 228,663,000 | 230,740,000 |
| Interest-bearing deposits | 190,259,000 | 195,121,000 | 191,472,000 | 194,946,000 |
| Noninterest-bearing deposits | 40,370,000 | 39,180,000 | 37,191,000 | 35,794,000 |
| Equity capital | 31,805,000 | 32,115,000 | 32,780,000 | 32,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,761,000 | 7,720,000 | 11,840,000 | 15,947,000 |
| Interest expense | 1,238,000 | 2,649,000 | 4,191,000 | 5,790,000 |
| Net interest income | 2,523,000 | 5,071,000 | 7,649,000 | 10,157,000 |
| Noninterest income | 710,000 | 1,493,000 | 2,274,000 | 3,085,000 |
| Noninterest expense | 2,161,000 | 4,323,000 | 6,489,000 | 8,508,000 |
| Provision for loan losses | 0 | 0 | 0 | 155,000 |
| Pretax income | 1,072,000 | 2,241,000 | 3,434,000 | 4,579,000 |
| Income tax | 233,000 | 506,000 | 785,000 | 974,000 |
| Net income | 839,000 | 1,735,000 | 2,649,000 | 3,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,107,000 | 30,484,000 | 30,855,000 | 30,831,000 |
| Total capital | 33,321,000 | 33,950,000 | 34,268,000 | 34,187,000 |
| Risk-weighted assets | 191,785,000 | 194,183,000 | 194,225,000 | 192,138,000 |