Call reports 2008
LAKE REGION BANK — 2008
What LAKE REGION BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 102,132,000 | 100,635,000 | 99,110,000 | 100,181,000 |
| Total loans | 71,383,000 | 73,257,000 | 72,364,000 | 71,866,000 |
| Allowance for loan losses | 898,000 | 1,164,000 | 1,087,000 | 1,020,000 |
| Securities available for sale | 18,665,000 | 19,748,000 | 18,490,000 | 19,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,826,000 | 82,433,000 | 81,203,000 | 81,250,000 |
| Interest-bearing deposits | 64,118,000 | 60,252,000 | 58,011,000 | 58,104,000 |
| Noninterest-bearing deposits | 23,708,000 | 22,181,000 | 23,192,000 | 23,146,000 |
| Equity capital | 8,102,000 | 7,525,000 | 7,678,000 | 8,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,628,000 | 3,182,000 | 4,731,000 | 6,192,000 |
| Interest expense | 602,000 | 1,108,000 | 1,585,000 | 2,041,000 |
| Net interest income | 1,026,000 | 2,074,000 | 3,146,000 | 4,151,000 |
| Noninterest income | 444,000 | 876,000 | 1,520,000 | 2,027,000 |
| Noninterest expense | 1,130,000 | 2,228,000 | 3,523,000 | 4,725,000 |
| Provision for loan losses | 30,000 | 544,000 | 626,000 | 730,000 |
| Pretax income | 310,000 | 178,000 | 517,000 | 723,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 310,000 | 178,000 | 517,000 | 723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,894,000 | 7,632,000 | 7,193,000 | 7,514,000 |
| Total capital | 8,792,000 | 8,637,000 | 8,186,000 | 8,513,000 |
| Risk-weighted assets | 79,188,000 | 80,852,000 | 79,336,000 | 79,901,000 |