Call reports 2009
LAKESTONE BANK & TRUST — 2009
What LAKESTONE BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 264,369,000 | 275,860,000 | 279,297,000 | 294,085,000 |
| Total loans | 183,233,000 | 179,026,000 | 181,815,000 | 180,638,000 |
| Allowance for loan losses | 3,184,000 | 2,872,000 | 3,105,000 | 3,595,000 |
| Securities available for sale | 45,707,000 | 50,771,000 | 66,032,000 | 64,161,000 |
| Securities held to maturity | 16,442,000 | 15,032,000 | 14,821,000 | 13,839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,596,000 | 247,367,000 | 249,490,000 | 267,230,000 |
| Interest-bearing deposits | 202,378,000 | 213,490,000 | 216,961,000 | 234,633,000 |
| Noninterest-bearing deposits | 34,218,000 | 33,877,000 | 32,529,000 | 32,597,000 |
| Equity capital | 26,698,000 | 26,698,000 | 27,279,000 | 26,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,313,000 | 6,727,000 | 10,086,000 | 13,498,000 |
| Interest expense | 910,000 | 1,886,000 | 2,901,000 | 3,837,000 |
| Net interest income | 2,403,000 | 4,841,000 | 7,185,000 | 9,661,000 |
| Noninterest income | 882,000 | 1,781,000 | 2,706,000 | 3,733,000 |
| Noninterest expense | 2,138,000 | 4,476,000 | 7,162,000 | 9,101,000 |
| Provision for loan losses | 800,000 | 1,900,000 | 2,500,000 | 5,200,000 |
| Pretax income | 347,000 | 470,000 | 1,021,000 | 205,000 |
| Income tax | 21,000 | -35,000 | 61,000 | -315,000 |
| Net income | 326,000 | 505,000 | 960,000 | 520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,905,000 | 25,976,000 | 26,323,000 | 25,829,000 |
| Total capital | 28,192,000 | 28,420,000 | 28,678,000 | 28,161,000 |
| Risk-weighted assets | 171,337,000 | 180,108,000 | 187,368,000 | 185,101,000 |