Call reports 2014
LAKE REGION BANK — 2014
What LAKE REGION BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 104,805,000 | 107,310,000 | 107,983,000 | 107,831,000 |
| Total loans | 51,200,000 | 53,297,000 | 52,164,000 | 54,448,000 |
| Allowance for loan losses | 439,000 | 468,000 | 473,000 | 555,000 |
| Securities available for sale | 35,050,000 | 35,669,000 | 37,187,000 | 34,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,458,000 | 92,593,000 | 94,265,000 | 93,882,000 |
| Interest-bearing deposits | 68,994,000 | 70,175,000 | 69,452,000 | 70,430,000 |
| Noninterest-bearing deposits | 21,464,000 | 22,418,000 | 24,813,000 | 23,452,000 |
| Equity capital | 9,030,000 | 9,279,000 | 9,462,000 | 9,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 916,000 | 1,869,000 | 2,824,000 | 3,774,000 |
| Interest expense | 104,000 | 206,000 | 305,000 | 396,000 |
| Net interest income | 812,000 | 1,663,000 | 2,519,000 | 3,378,000 |
| Noninterest income | 581,000 | 1,224,000 | 1,793,000 | 2,443,000 |
| Noninterest expense | 1,256,000 | 2,555,000 | 3,828,000 | 5,137,000 |
| Provision for loan losses | 0 | -25,000 | -24,000 | -25,000 |
| Pretax income | 137,000 | 362,000 | 513,000 | 729,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 135,000 | 360,000 | 511,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,437,000 | 8,418,000 | 8,570,000 | 8,762,000 |
| Total capital | 8,876,000 | 8,887,000 | 9,043,000 | 9,235,000 |
| Risk-weighted assets | 59,296,000 | 61,221,000 | 59,495,000 | 61,832,000 |