Call reports 2007
LAKESTONE BANK & TRUST — 2007
What LAKESTONE BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 269,360,000 | 266,024,000 | 267,167,000 | 264,313,000 |
| Total loans | 187,732,000 | 183,675,000 | 184,081,000 | 182,078,000 |
| Allowance for loan losses | 1,780,000 | 1,664,000 | 1,711,000 | 2,050,000 |
| Securities available for sale | 35,377,000 | 39,482,000 | 42,366,000 | 39,116,000 |
| Securities held to maturity | 20,894,000 | 21,073,000 | 21,445,000 | 21,953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,004,000 | 231,273,000 | 231,885,000 | 232,044,000 |
| Interest-bearing deposits | 200,571,000 | 197,361,000 | 197,418,000 | 197,821,000 |
| Noninterest-bearing deposits | 35,433,000 | 33,912,000 | 34,467,000 | 34,223,000 |
| Equity capital | 31,063,000 | 31,961,000 | 32,443,000 | 30,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,063,000 | 8,170,000 | 12,430,000 | 16,380,000 |
| Interest expense | 1,670,000 | 3,300,000 | 4,903,000 | 6,319,000 |
| Net interest income | 2,393,000 | 4,870,000 | 7,527,000 | 10,061,000 |
| Noninterest income | 765,000 | 1,626,000 | 2,458,000 | 3,280,000 |
| Noninterest expense | 2,154,000 | 4,330,000 | 6,541,000 | 8,778,000 |
| Provision for loan losses | 15,000 | 30,000 | 105,000 | 855,000 |
| Pretax income | 989,000 | 2,136,000 | 3,339,000 | 3,708,000 |
| Income tax | 217,000 | 497,000 | 794,000 | 791,000 |
| Net income | 772,000 | 1,639,000 | 2,545,000 | 2,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,550,000 | 29,843,000 | 30,424,000 | 30,040,000 |
| Total capital | 32,629,000 | 33,300,000 | 33,696,000 | 32,769,000 |
| Risk-weighted assets | 194,247,000 | 190,511,000 | 190,909,000 | 188,014,000 |