Call reports 2019
LAKESTONE BANK & TRUST — 2019
What LAKESTONE BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 636,415,000 | 659,813,000 | 672,174,000 | 710,067,000 |
| Total loans | 387,395,000 | 412,035,000 | 427,776,000 | 421,806,000 |
| Allowance for loan losses | 1,690,000 | 1,669,000 | 1,855,000 | 0 |
| Securities available for sale | 194,319,000 | 191,859,000 | 187,493,000 | 184,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 561,805,000 | 562,071,000 | 574,632,000 | 576,944,000 |
| Interest-bearing deposits | 445,546,000 | 444,024,000 | 449,480,000 | 452,776,000 |
| Noninterest-bearing deposits | 116,259,000 | 118,047,000 | 125,152,000 | 124,168,000 |
| Equity capital | 63,549,000 | 66,229,000 | 67,725,000 | 107,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,135,000 | 12,540,000 | 19,068,000 | 25,495,000 |
| Interest expense | 697,000 | 1,547,000 | 2,469,000 | 3,219,000 |
| Net interest income | 5,438,000 | 10,993,000 | 16,599,000 | 22,276,000 |
| Noninterest income | 1,341,000 | 2,702,000 | 4,229,000 | 5,832,000 |
| Noninterest expense | 4,645,000 | 9,308,000 | 14,139,000 | 18,668,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,134,000 | 4,387,000 | 6,642,000 | 9,393,000 |
| Income tax | 320,000 | 656,000 | 997,000 | 1,485,000 |
| Net income | 1,814,000 | 3,731,000 | 5,645,000 | 7,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,965,000 | 64,994,000 | 65,004,000 | 63,885,000 |
| Total capital | 66,655,000 | 66,663,000 | 66,859,000 | 63,885,000 |
| Risk-weighted assets | 428,413,000 | 448,590,000 | 457,313,000 | 425,698,000 |