Call reports 2015
LAKESTONE BANK & TRUST — 2015
What LAKESTONE BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 319,593,000 | 317,400,000 | 317,982,000 | 323,946,000 |
| Total loans | 175,213,000 | 177,587,000 | 170,266,000 | 171,688,000 |
| Allowance for loan losses | 2,724,000 | 2,736,000 | 2,733,000 | 2,149,000 |
| Securities available for sale | 121,012,000 | 117,550,000 | 122,172,000 | 121,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,313,000 | 280,279,000 | 280,137,000 | 285,172,000 |
| Interest-bearing deposits | 231,708,000 | 227,013,000 | 227,472,000 | 229,775,000 |
| Noninterest-bearing deposits | 50,605,000 | 53,266,000 | 52,665,000 | 55,397,000 |
| Equity capital | 35,421,000 | 34,880,000 | 36,110,000 | 36,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,846,000 | 5,754,000 | 8,583,000 | 11,338,000 |
| Interest expense | 148,000 | 297,000 | 443,000 | 587,000 |
| Net interest income | 2,698,000 | 5,457,000 | 8,140,000 | 10,751,000 |
| Noninterest income | 781,000 | 1,639,000 | 2,525,000 | 3,415,000 |
| Noninterest expense | 2,486,000 | 4,972,000 | 7,402,000 | 9,720,000 |
| Provision for loan losses | 0 | 0 | 0 | -600,000 |
| Pretax income | 993,000 | 2,124,000 | 3,263,000 | 5,058,000 |
| Income tax | 282,000 | 613,000 | 948,000 | 1,480,000 |
| Net income | 711,000 | 1,511,000 | 2,315,000 | 3,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,610,000 | 36,140,000 | 36,662,000 | 37,245,000 |
| Total capital | 37,930,000 | 38,494,000 | 39,009,000 | 39,394,000 |
| Risk-weighted assets | 185,252,000 | 187,900,000 | 187,407,000 | 188,267,000 |