Call reports 2011
LAKESTONE BANK & TRUST — 2011
What LAKESTONE BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 299,096,000 | 297,541,000 | 299,181,000 | 300,369,000 |
| Total loans | 195,399,000 | 187,962,000 | 186,349,000 | 181,652,000 |
| Allowance for loan losses | 4,258,000 | 4,163,000 | 4,642,000 | 4,933,000 |
| Securities available for sale | 64,285,000 | 78,336,000 | 83,976,000 | 88,569,000 |
| Securities held to maturity | 8,417,000 | 7,370,000 | 7,074,000 | 6,422,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,866,000 | 267,864,000 | 267,438,000 | 270,064,000 |
| Interest-bearing deposits | 228,633,000 | 226,601,000 | 226,401,000 | 227,724,000 |
| Noninterest-bearing deposits | 42,233,000 | 41,263,000 | 41,037,000 | 42,340,000 |
| Equity capital | 27,317,000 | 28,365,000 | 30,180,000 | 29,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,344,000 | 6,775,000 | 10,237,000 | 13,522,000 |
| Interest expense | 518,000 | 1,032,000 | 1,500,000 | 1,919,000 |
| Net interest income | 2,826,000 | 5,743,000 | 8,737,000 | 11,603,000 |
| Noninterest income | 635,000 | 1,273,000 | 2,180,000 | 3,126,000 |
| Noninterest expense | 2,247,000 | 4,549,000 | 6,978,000 | 9,136,000 |
| Provision for loan losses | 800,000 | 1,400,000 | 2,000,000 | 3,100,000 |
| Pretax income | 414,000 | 1,276,000 | 2,288,000 | 2,956,000 |
| Income tax | 88,000 | 332,000 | 631,000 | 817,000 |
| Net income | 326,000 | 944,000 | 1,657,000 | 2,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,294,000 | 27,134,000 | 28,200,000 | 28,458,000 |
| Total capital | 28,758,000 | 29,533,000 | 30,548,000 | 30,782,000 |
| Risk-weighted assets | 195,095,000 | 190,085,000 | 185,584,000 | 183,286,000 |