Call reports 2010
LAKE REGION BANK — 2010
What LAKE REGION BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 101,023,000 | 95,049,000 | 95,580,000 | 96,638,000 |
| Total loans | 60,610,000 | 60,355,000 | 58,521,000 | 54,835,000 |
| Allowance for loan losses | 778,000 | 1,282,000 | 829,000 | 646,000 |
| Securities available for sale | 18,207,000 | 17,200,000 | 17,891,000 | 20,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,141,000 | 79,485,000 | 80,376,000 | 81,719,000 |
| Interest-bearing deposits | 62,292,000 | 60,962,000 | 62,115,000 | 64,236,000 |
| Noninterest-bearing deposits | 21,849,000 | 18,523,000 | 18,261,000 | 17,483,000 |
| Equity capital | 8,020,000 | 7,735,000 | 7,432,000 | 7,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,182,000 | 2,320,000 | 3,581,000 | 4,764,000 |
| Interest expense | 289,000 | 547,000 | 782,000 | 1,008,000 |
| Net interest income | 893,000 | 1,773,000 | 2,799,000 | 3,756,000 |
| Noninterest income | 480,000 | 1,010,000 | 1,484,000 | 1,336,000 |
| Noninterest expense | 1,212,000 | 2,426,000 | 3,984,000 | 4,845,000 |
| Provision for loan losses | 535,000 | 1,091,000 | 1,546,000 | 1,546,000 |
| Pretax income | -374,000 | -727,000 | -1,239,000 | -1,291,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | -377,000 | -730,000 | -1,242,000 | -1,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,988,000 | 6,634,000 | 6,123,000 | 6,273,000 |
| Total capital | 7,766,000 | 7,492,000 | 6,919,000 | 6,919,000 |
| Risk-weighted assets | 71,483,000 | 68,184,000 | 62,925,000 | 60,534,000 |