Call reports 2007
LAKE REGION BANK — 2007
What LAKE REGION BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 95,854,000 | 96,858,000 | 96,801,000 | 102,842,000 |
| Total loans | 71,702,000 | 73,234,000 | 73,652,000 | 73,841,000 |
| Allowance for loan losses | 566,000 | 655,000 | 712,000 | 863,000 |
| Securities available for sale | 16,558,000 | 16,576,000 | 16,756,000 | 18,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,119,000 | 77,565,000 | 80,636,000 | 89,052,000 |
| Interest-bearing deposits | 53,134,000 | 54,864,000 | 58,699,000 | 65,756,000 |
| Noninterest-bearing deposits | 22,985,000 | 22,701,000 | 21,937,000 | 23,296,000 |
| Equity capital | 7,066,000 | 7,059,000 | 7,377,000 | 7,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,581,000 | 3,240,000 | 4,936,000 | 6,654,000 |
| Interest expense | 507,000 | 1,094,000 | 1,727,000 | 2,402,000 |
| Net interest income | 1,074,000 | 2,146,000 | 3,209,000 | 4,252,000 |
| Noninterest income | 411,000 | 918,000 | 1,423,000 | 1,946,000 |
| Noninterest expense | 1,168,000 | 2,347,000 | 3,471,000 | 4,702,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 312,000 |
| Pretax income | 272,000 | 627,000 | 1,026,000 | 1,184,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 0 |
| Net income | 271,000 | 625,000 | 1,024,000 | 1,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,159,000 | 7,271,000 | 7,474,000 | 7,649,000 |
| Total capital | 7,725,000 | 7,926,000 | 8,186,000 | 8,512,000 |
| Risk-weighted assets | 75,291,000 | 77,092,000 | 77,365,000 | 79,269,000 |