Call reports 2011
LAKE REGION BANK — 2011
What LAKE REGION BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 95,815,000 | 98,008,000 | 97,754,000 | 100,992,000 |
| Total loans | 52,750,000 | 54,640,000 | 53,881,000 | 56,493,000 |
| Allowance for loan losses | 693,000 | 702,000 | 711,000 | 706,000 |
| Securities available for sale | 20,596,000 | 23,967,000 | 21,479,000 | 23,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,799,000 | 81,213,000 | 82,489,000 | 85,587,000 |
| Interest-bearing deposits | 63,538,000 | 63,255,000 | 64,087,000 | 65,581,000 |
| Noninterest-bearing deposits | 17,261,000 | 17,958,000 | 18,402,000 | 20,006,000 |
| Equity capital | 7,293,000 | 7,762,000 | 8,049,000 | 8,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,188,000 | 3,243,000 | 4,311,000 |
| Interest expense | 204,000 | 406,000 | 585,000 | 754,000 |
| Net interest income | 888,000 | 1,782,000 | 2,658,000 | 3,557,000 |
| Noninterest income | 454,000 | 946,000 | 1,445,000 | 1,816,000 |
| Noninterest expense | 1,256,000 | 2,461,000 | 3,672,000 | 4,857,000 |
| Provision for loan losses | 106,000 | 106,000 | 135,000 | 138,000 |
| Pretax income | 127,000 | 398,000 | 695,000 | 798,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 125,000 | 396,000 | 693,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,398,000 | 6,670,000 | 6,966,000 | 7,069,000 |
| Total capital | 7,091,000 | 7,372,000 | 7,677,000 | 7,775,000 |
| Risk-weighted assets | 59,078,000 | 61,628,000 | 59,972,000 | 62,249,000 |