Call reports 2016
LAKESTONE BANK & TRUST — 2016
What LAKESTONE BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 331,336,000 | 327,978,000 | 339,202,000 | 583,529,000 |
| Total loans | 168,634,000 | 169,383,000 | 175,453,000 | 315,318,000 |
| Allowance for loan losses | 2,131,000 | 2,127,000 | 2,024,000 | 1,684,000 |
| Securities available for sale | 122,142,000 | 131,416,000 | 128,264,000 | 208,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,100,000 | 287,581,000 | 299,220,000 | 520,351,000 |
| Interest-bearing deposits | 237,226,000 | 229,597,000 | 237,798,000 | 397,096,000 |
| Noninterest-bearing deposits | 54,874,000 | 57,984,000 | 61,422,000 | 123,255,000 |
| Equity capital | 37,436,000 | 38,145,000 | 38,097,000 | 54,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,758,000 | 5,491,000 | 8,163,000 | 13,670,000 |
| Interest expense | 144,000 | 288,000 | 435,000 | 664,000 |
| Net interest income | 2,614,000 | 5,203,000 | 7,728,000 | 13,006,000 |
| Noninterest income | 854,000 | 1,700,000 | 2,730,000 | 4,290,000 |
| Noninterest expense | 2,519,000 | 5,070,000 | 7,719,000 | 15,016,000 |
| Provision for loan losses | 0 | 0 | 0 | -300,000 |
| Pretax income | 958,000 | 1,932,000 | 2,974,000 | 2,781,000 |
| Income tax | 259,000 | 481,000 | 744,000 | 738,000 |
| Net income | 699,000 | 1,451,000 | 2,230,000 | 2,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,549,000 | 37,876,000 | 38,166,000 | 57,543,000 |
| Total capital | 39,680,000 | 40,003,000 | 40,190,000 | 59,227,000 |
| Risk-weighted assets | 193,495,000 | 195,188,000 | 192,803,000 | 346,939,000 |