Call reports 2006
LAKE REGION BANK — 2006
What LAKE REGION BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 84,095,000 | 88,002,000 | 87,375,000 | 91,830,000 |
| Total loans | 57,094,000 | 61,372,000 | 64,650,000 | 67,569,000 |
| Allowance for loan losses | 384,000 | 414,000 | 459,000 | 583,000 |
| Securities available for sale | 18,565,000 | 17,464,000 | 17,027,000 | 17,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,504,000 | 74,609,000 | 74,042,000 | 81,580,000 |
| Interest-bearing deposits | 49,569,000 | 52,399,000 | 52,687,000 | 57,494,000 |
| Noninterest-bearing deposits | 21,935,000 | 22,210,000 | 21,355,000 | 24,086,000 |
| Equity capital | 6,898,000 | 6,841,000 | 6,502,000 | 6,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,258,000 | 2,582,000 | 4,039,000 | 5,593,000 |
| Interest expense | 313,000 | 689,000 | 1,135,000 | 1,638,000 |
| Net interest income | 945,000 | 1,893,000 | 2,904,000 | 3,955,000 |
| Noninterest income | 358,000 | 811,000 | 1,211,000 | 1,613,000 |
| Noninterest expense | 956,000 | 1,983,000 | 3,025,000 | 4,219,000 |
| Provision for loan losses | 20,000 | 81,000 | 126,000 | 272,000 |
| Pretax income | 327,000 | 640,000 | 964,000 | 1,054,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 6,000 |
| Net income | 325,000 | 637,000 | 960,000 | 1,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,130,000 | 7,167,000 | 6,663,000 | 6,902,000 |
| Total capital | 7,514,000 | 7,581,000 | 7,122,000 | 7,485,000 |
| Risk-weighted assets | 61,146,000 | 63,026,000 | 67,948,000 | 71,538,000 |