Call reports 2012
LAKE REGION BANK — 2012
What LAKE REGION BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 101,319,000 | 100,200,000 | 98,345,000 | 105,946,000 |
| Total loans | 53,811,000 | 54,020,000 | 53,191,000 | 51,093,000 |
| Allowance for loan losses | 673,000 | 661,000 | 668,000 | 711,000 |
| Securities available for sale | 24,711,000 | 24,743,000 | 24,005,000 | 28,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,772,000 | 84,235,000 | 83,504,000 | 91,027,000 |
| Interest-bearing deposits | 66,002,000 | 64,834,000 | 63,074,000 | 69,314,000 |
| Noninterest-bearing deposits | 19,770,000 | 19,401,000 | 20,430,000 | 21,713,000 |
| Equity capital | 8,320,000 | 8,748,000 | 9,043,000 | 9,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,069,000 | 2,094,000 | 3,083,000 | 4,049,000 |
| Interest expense | 156,000 | 305,000 | 433,000 | 556,000 |
| Net interest income | 913,000 | 1,789,000 | 2,650,000 | 3,493,000 |
| Noninterest income | 503,000 | 1,090,000 | 1,641,000 | 2,300,000 |
| Noninterest expense | 1,159,000 | 2,383,000 | 3,570,000 | 4,783,000 |
| Provision for loan losses | 0 | 0 | 12,000 | 80,000 |
| Pretax income | 290,000 | 534,000 | 747,000 | 1,142,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 290,000 | 532,000 | 745,000 | 1,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,359,000 | 7,588,000 | 7,801,000 | 7,811,000 |
| Total capital | 8,032,000 | 8,249,000 | 8,469,000 | 8,522,000 |
| Risk-weighted assets | 61,285,000 | 61,482,000 | 60,252,000 | 57,800,000 |