Call reports 2013
LAKESTONE BANK & TRUST — 2013
What LAKESTONE BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 309,878,000 | 307,892,000 | 308,368,000 | 311,116,000 |
| Total loans | 161,668,000 | 156,179,000 | 157,725,000 | 161,959,000 |
| Allowance for loan losses | 3,918,000 | 3,985,000 | 3,681,000 | 3,997,000 |
| Securities available for sale | 106,499,000 | 115,894,000 | 119,115,000 | 117,370,000 |
| Securities held to maturity | 5,152,000 | 4,313,000 | 4,200,000 | 3,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,047,000 | 277,237,000 | 278,943,000 | 282,060,000 |
| Interest-bearing deposits | 231,602,000 | 230,287,000 | 231,667,000 | 234,855,000 |
| Noninterest-bearing deposits | 46,445,000 | 46,950,000 | 47,276,000 | 47,205,000 |
| Equity capital | 30,788,000 | 28,924,000 | 27,887,000 | 27,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,847,000 | 5,861,000 | 8,760,000 | 11,663,000 |
| Interest expense | 204,000 | 400,000 | 592,000 | 782,000 |
| Net interest income | 2,643,000 | 5,461,000 | 8,168,000 | 10,881,000 |
| Noninterest income | 1,053,000 | 2,254,000 | 3,457,000 | 4,385,000 |
| Noninterest expense | 2,507,000 | 5,099,000 | 7,626,000 | 10,056,000 |
| Provision for loan losses | 225,000 | 300,000 | 330,000 | 360,000 |
| Pretax income | 1,003,000 | 2,430,000 | 3,783,000 | 4,964,000 |
| Income tax | 287,000 | 720,000 | 1,129,000 | 1,476,000 |
| Net income | 716,000 | 1,710,000 | 2,654,000 | 3,488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,754,000 | 31,640,000 | 32,422,000 | 32,824,000 |
| Total capital | 32,935,000 | 33,825,000 | 34,617,000 | 35,062,000 |
| Risk-weighted assets | 172,749,000 | 173,023,000 | 174,082,000 | 177,311,000 |