Call reports 2003
LAKE REGION BANK — 2003
What LAKE REGION BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 78,715,000 | 79,134,000 | 80,152,000 | 81,845,000 |
| Total loans | 42,170,000 | 41,653,000 | 42,007,000 | 41,459,000 |
| Allowance for loan losses | 376,000 | 362,000 | 393,000 | 408,000 |
| Securities available for sale | 24,943,000 | 22,911,000 | 27,238,000 | 27,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,736,000 | 68,179,000 | 69,988,000 | 71,923,000 |
| Interest-bearing deposits | 49,756,000 | 49,857,000 | 49,162,000 | 49,382,000 |
| Noninterest-bearing deposits | 17,980,000 | 18,322,000 | 20,826,000 | 22,541,000 |
| Equity capital | 6,905,000 | 6,931,000 | 6,710,000 | 6,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,074,000 | 2,133,000 | 3,178,000 | 4,235,000 |
| Interest expense | 292,000 | 578,000 | 853,000 | 1,108,000 |
| Net interest income | 782,000 | 1,555,000 | 2,325,000 | 3,127,000 |
| Noninterest income | 339,000 | 670,000 | 1,046,000 | 1,391,000 |
| Noninterest expense | 861,000 | 1,786,000 | 2,694,000 | 3,670,000 |
| Provision for loan losses | 15,000 | 25,000 | 60,000 | 60,000 |
| Pretax income | 271,000 | 440,000 | 643,000 | 821,000 |
| Income tax | 4,000 | 2,000 | 2,000 | -17,000 |
| Net income | 267,000 | 438,000 | 641,000 | 838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,136,000 | 6,104,000 | 6,124,000 | 6,012,000 |
| Total capital | 6,512,000 | 6,466,000 | 6,517,000 | 6,420,000 |
| Risk-weighted assets | 50,684,000 | 50,838,000 | 52,835,000 | 50,675,000 |