Call reports 2015
LAKE REGION BANK — 2015
What LAKE REGION BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 108,053,000 | 107,788,000 | 104,040,000 | 110,682,000 |
| Total loans | 54,553,000 | 56,729,000 | 56,209,000 | 56,305,000 |
| Allowance for loan losses | 511,000 | 458,000 | 389,000 | 377,000 |
| Securities available for sale | 35,597,000 | 33,180,000 | 31,972,000 | 33,856,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,765,000 | 92,624,000 | 90,572,000 | 96,621,000 |
| Interest-bearing deposits | 71,062,000 | 68,065,000 | 68,141,000 | 71,807,000 |
| Noninterest-bearing deposits | 22,703,000 | 24,559,000 | 22,431,000 | 24,814,000 |
| Equity capital | 10,112,000 | 9,893,000 | 10,259,000 | 9,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 941,000 | 1,918,000 | 2,889,000 | 3,836,000 |
| Interest expense | 86,000 | 170,000 | 249,000 | 331,000 |
| Net interest income | 855,000 | 1,748,000 | 2,640,000 | 3,505,000 |
| Noninterest income | 651,000 | 1,228,000 | 1,798,000 | 2,192,000 |
| Noninterest expense | 1,314,000 | 2,633,000 | 3,949,000 | 5,091,000 |
| Provision for loan losses | -39,000 | -73,000 | -121,000 | -120,000 |
| Pretax income | 249,000 | 443,000 | 638,000 | 754,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 247,000 | 441,000 | 636,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,015,000 | 9,140,000 | 9,300,000 | 9,247,000 |
| Total capital | 9,417,000 | 9,496,000 | 9,587,000 | 9,547,000 |
| Risk-weighted assets | 66,693,000 | 69,248,000 | 68,548,000 | 70,277,000 |