Call reports 2004
LAKE REGION BANK — 2004
What LAKE REGION BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 82,288,000 | 84,698,000 | 81,777,000 | 81,988,000 |
| Total loans | 42,796,000 | 45,623,000 | 47,219,000 | 48,180,000 |
| Allowance for loan losses | 408,000 | 425,000 | 426,000 | 307,000 |
| Securities available for sale | 29,852,000 | 27,429,000 | 26,899,000 | 24,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,851,000 | 74,751,000 | 71,584,000 | 72,122,000 |
| Interest-bearing deposits | 50,059,000 | 51,206,000 | 50,508,000 | 50,489,000 |
| Noninterest-bearing deposits | 21,792,000 | 23,545,000 | 21,076,000 | 21,633,000 |
| Equity capital | 7,027,000 | 6,403,000 | 6,874,000 | 6,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,049,000 | 2,147,000 | 3,242,000 | 4,343,000 |
| Interest expense | 240,000 | 472,000 | 713,000 | 946,000 |
| Net interest income | 809,000 | 1,675,000 | 2,529,000 | 3,397,000 |
| Noninterest income | 323,000 | 686,000 | 1,023,000 | 1,351,000 |
| Noninterest expense | 903,000 | 1,836,000 | 2,747,000 | 3,666,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 45,000 |
| Pretax income | 229,000 | 525,000 | 832,000 | 1,074,000 |
| Income tax | 2,000 | 3,000 | 3,000 | 3,000 |
| Net income | 227,000 | 522,000 | 829,000 | 1,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,239,000 | 6,328,000 | 6,496,000 | 6,437,000 |
| Total capital | 6,647,000 | 6,753,000 | 6,922,000 | 6,744,000 |
| Risk-weighted assets | 51,438,000 | 49,515,000 | 54,757,000 | 51,914,000 |