Call reports 2010
LAKESTONE BANK & TRUST — 2010
What LAKESTONE BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 290,866,000 | 283,884,000 | 286,384,000 | 289,227,000 |
| Total loans | 182,543,000 | 181,488,000 | 186,499,000 | 196,166,000 |
| Allowance for loan losses | 4,212,000 | 4,617,000 | 3,259,000 | 3,508,000 |
| Securities available for sale | 65,505,000 | 70,033,000 | 68,553,000 | 63,243,000 |
| Securities held to maturity | 13,742,000 | 9,737,000 | 9,246,000 | 8,878,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,571,000 | 255,896,000 | 256,830,000 | 261,593,000 |
| Interest-bearing deposits | 228,293,000 | 222,120,000 | 220,477,000 | 223,866,000 |
| Noninterest-bearing deposits | 35,278,000 | 33,776,000 | 36,353,000 | 37,727,000 |
| Equity capital | 26,321,000 | 26,695,000 | 27,704,000 | 26,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,330,000 | 6,573,000 | 9,915,000 | 13,377,000 |
| Interest expense | 853,000 | 1,612,000 | 2,333,000 | 2,969,000 |
| Net interest income | 2,477,000 | 4,961,000 | 7,582,000 | 10,408,000 |
| Noninterest income | 811,000 | 1,636,000 | 2,429,000 | 2,756,000 |
| Noninterest expense | 2,120,000 | 4,346,000 | 6,682,000 | 8,552,000 |
| Provision for loan losses | 1,050,000 | 2,100,000 | 3,000,000 | 4,150,000 |
| Pretax income | 154,000 | 268,000 | 452,000 | 760,000 |
| Income tax | -37,000 | -74,000 | -77,000 | -9,000 |
| Net income | 191,000 | 342,000 | 529,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,247,000 | 25,398,000 | 25,585,000 | 26,030,000 |
| Total capital | 27,591,000 | 27,744,000 | 27,929,000 | 28,454,000 |
| Risk-weighted assets | 185,635,000 | 185,429,000 | 186,620,000 | 192,867,000 |