Call reports 2013
LAKE REGION BANK — 2013
What LAKE REGION BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 104,104,000 | 101,130,000 | 102,759,000 | 108,050,000 |
| Total loans | 49,690,000 | 51,471,000 | 52,789,000 | 52,645,000 |
| Allowance for loan losses | 617,000 | 580,000 | 524,000 | 473,000 |
| Securities available for sale | 31,730,000 | 29,983,000 | 29,825,000 | 33,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,240,000 | 84,628,000 | 88,594,000 | 93,900,000 |
| Interest-bearing deposits | 68,472,000 | 65,713,000 | 66,858,000 | 69,047,000 |
| Noninterest-bearing deposits | 20,768,000 | 18,915,000 | 21,736,000 | 24,853,000 |
| Equity capital | 9,008,000 | 8,527,000 | 8,775,000 | 8,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 920,000 | 1,878,000 | 2,831,000 | 3,777,000 |
| Interest expense | 116,000 | 232,000 | 338,000 | 445,000 |
| Net interest income | 804,000 | 1,646,000 | 2,493,000 | 3,332,000 |
| Noninterest income | 589,000 | 1,229,000 | 1,837,000 | 2,457,000 |
| Noninterest expense | 1,298,000 | 2,592,000 | 3,923,000 | 5,286,000 |
| Provision for loan losses | 8,000 | -28,000 | -74,000 | -74,000 |
| Pretax income | 87,000 | 334,000 | 504,000 | 605,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 85,000 | 332,000 | 502,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,894,000 | 8,159,000 | 8,190,000 | 8,292,000 |
| Total capital | 8,511,000 | 8,739,000 | 8,714,000 | 8,765,000 |
| Risk-weighted assets | 57,657,000 | 59,915,000 | 59,780,000 | 59,105,000 |