Call reports 2001
LAKE REGION BANK — 2001
What LAKE REGION BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 70,761,000 | 71,356,000 | 74,423,000 | 75,479,000 |
| Total loans | 37,835,000 | 39,513,000 | 40,487,000 | 39,545,000 |
| Allowance for loan losses | 507,000 | 507,000 | 529,000 | 427,000 |
| Securities available for sale | 25,800,000 | 24,567,000 | 22,655,000 | 22,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,840,000 | 62,841,000 | 66,142,000 | 67,489,000 |
| Interest-bearing deposits | 51,548,000 | 51,352,000 | 52,735,000 | 53,270,000 |
| Noninterest-bearing deposits | 11,292,000 | 11,489,000 | 13,407,000 | 14,219,000 |
| Equity capital | 5,816,000 | 6,014,000 | 6,289,000 | 6,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,355,000 | 2,665,000 | 4,052,000 | 5,345,000 |
| Interest expense | 640,000 | 1,205,000 | 1,723,000 | 2,136,000 |
| Net interest income | 715,000 | 1,460,000 | 2,329,000 | 3,209,000 |
| Noninterest income | 309,000 | 589,000 | 804,000 | 1,140,000 |
| Noninterest expense | 801,000 | 1,609,000 | 2,391,000 | 3,159,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 175,000 |
| Pretax income | 198,000 | 390,000 | 667,000 | 1,015,000 |
| Income tax | 30,000 | 5,000 | 5,000 | 5,000 |
| Net income | 168,000 | 385,000 | 662,000 | 1,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,426,000 | 5,546,000 | 5,660,000 | 5,756,000 |
| Total capital | 5,933,000 | 6,053,000 | 6,189,000 | 6,183,000 |
| Risk-weighted assets | 45,877,000 | 47,665,000 | 49,424,000 | 49,760,000 |