Call reports 2009
LAKE REGION BANK — 2009
What LAKE REGION BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 101,259,000 | 102,262,000 | 100,410,000 | 100,875,000 |
| Total loans | 72,247,000 | 72,887,000 | 70,802,000 | 65,915,000 |
| Allowance for loan losses | 1,253,000 | 1,392,000 | 1,000,000 | 1,009,000 |
| Securities available for sale | 19,833,000 | 19,013,000 | 18,869,000 | 18,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,968,000 | 82,702,000 | 81,669,000 | 83,666,000 |
| Interest-bearing deposits | 58,063,000 | 58,352,000 | 57,842,000 | 58,663,000 |
| Noninterest-bearing deposits | 23,905,000 | 24,350,000 | 23,827,000 | 25,003,000 |
| Equity capital | 8,404,000 | 8,589,000 | 8,862,000 | 8,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,360,000 | 2,723,000 | 4,042,000 | 5,288,000 |
| Interest expense | 401,000 | 771,000 | 1,113,000 | 1,433,000 |
| Net interest income | 959,000 | 1,952,000 | 2,929,000 | 3,855,000 |
| Noninterest income | 602,000 | 1,137,000 | 1,678,000 | 2,241,000 |
| Noninterest expense | 1,176,000 | 2,327,000 | 3,472,000 | 4,719,000 |
| Provision for loan losses | 229,000 | 535,000 | 1,080,000 | 1,631,000 |
| Pretax income | 156,000 | 227,000 | 55,000 | -254,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 156,000 | 227,000 | 55,000 | -254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,652,000 | 7,846,000 | 7,674,000 | 7,365,000 |
| Total capital | 8,644,000 | 8,852,000 | 8,651,000 | 8,318,000 |
| Risk-weighted assets | 79,087,000 | 80,100,000 | 78,102,000 | 76,165,000 |