Call reports 2012
LAKESTONE BANK & TRUST — 2012
What LAKESTONE BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 306,150,000 | 298,431,000 | 295,675,000 | 301,094,000 |
| Total loans | 180,669,000 | 177,192,000 | 172,819,000 | 168,412,000 |
| Allowance for loan losses | 5,621,000 | 7,144,000 | 3,578,000 | 3,747,000 |
| Securities available for sale | 84,968,000 | 79,112,000 | 90,595,000 | 96,822,000 |
| Securities held to maturity | 6,452,000 | 5,530,000 | 5,425,000 | 5,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,312,000 | 267,813,000 | 264,102,000 | 269,747,000 |
| Interest-bearing deposits | 229,359,000 | 222,150,000 | 218,998,000 | 222,604,000 |
| Noninterest-bearing deposits | 45,953,000 | 45,663,000 | 45,104,000 | 47,143,000 |
| Equity capital | 29,925,000 | 30,080,000 | 30,541,000 | 30,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,244,000 | 6,386,000 | 9,389,000 | 12,258,000 |
| Interest expense | 336,000 | 656,000 | 953,000 | 1,207,000 |
| Net interest income | 2,908,000 | 5,730,000 | 8,436,000 | 11,051,000 |
| Noninterest income | 766,000 | 1,570,000 | 2,531,000 | 3,537,000 |
| Noninterest expense | 2,451,000 | 4,821,000 | 7,341,000 | 9,782,000 |
| Provision for loan losses | 800,000 | 2,267,000 | 3,154,000 | 3,454,000 |
| Pretax income | 792,000 | 1,233,000 | 1,501,000 | 2,590,000 |
| Income tax | 226,000 | 340,000 | 386,000 | 705,000 |
| Net income | 566,000 | 893,000 | 1,115,000 | 1,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,024,000 | 29,351,000 | 29,573,000 | 30,073,000 |
| Total capital | 31,322,000 | 31,613,000 | 31,843,000 | 32,297,000 |
| Risk-weighted assets | 180,518,000 | 176,087,000 | 180,329,000 | 176,427,000 |