Call reports 2002
LAKE REGION BANK — 2002
What LAKE REGION BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 73,600,000 | 71,538,000 | 76,963,000 | 77,839,000 |
| Total loans | 37,033,000 | 38,348,000 | 41,302,000 | 40,230,000 |
| Allowance for loan losses | 413,000 | 426,000 | 475,000 | 366,000 |
| Securities available for sale | 22,582,000 | 24,565,000 | 25,633,000 | 24,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,382,000 | 63,112,000 | 66,125,000 | 67,020,000 |
| Interest-bearing deposits | 50,975,000 | 49,652,000 | 50,078,000 | 50,797,000 |
| Noninterest-bearing deposits | 14,407,000 | 13,460,000 | 16,047,000 | 16,223,000 |
| Equity capital | 6,214,000 | 6,452,000 | 6,823,000 | 6,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,174,000 | 2,305,000 | 3,463,000 | 4,577,000 |
| Interest expense | 346,000 | 650,000 | 964,000 | 1,268,000 |
| Net interest income | 828,000 | 1,655,000 | 2,499,000 | 3,309,000 |
| Noninterest income | 308,000 | 634,000 | 978,000 | 1,400,000 |
| Noninterest expense | 834,000 | 1,717,000 | 2,606,000 | 3,443,000 |
| Provision for loan losses | 10,000 | 14,000 | 47,000 | 135,000 |
| Pretax income | 292,000 | 561,000 | 827,000 | 1,134,000 |
| Income tax | 2,000 | 8,000 | 14,000 | 19,000 |
| Net income | 290,000 | 553,000 | 813,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,842,000 | 5,867,000 | 5,985,000 | 6,156,000 |
| Total capital | 6,255,000 | 6,293,000 | 6,460,000 | 6,522,000 |
| Risk-weighted assets | 47,240,000 | 47,680,000 | 51,021,000 | 49,608,000 |