Call reports 2016
LAKE REGION BANK — 2016
What LAKE REGION BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 106,780,000 | 106,560,000 | 104,106,000 | 105,727,000 |
| Total loans | 57,777,000 | 61,401,000 | 60,932,000 | 58,344,000 |
| Allowance for loan losses | 386,000 | 494,000 | 605,000 | 606,000 |
| Securities available for sale | 31,038,000 | 29,658,000 | 28,730,000 | 29,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,483,000 | 91,906,000 | 92,610,000 | 94,866,000 |
| Interest-bearing deposits | 69,545,000 | 68,453,000 | 68,936,000 | 69,099,000 |
| Noninterest-bearing deposits | 22,938,000 | 23,453,000 | 23,674,000 | 25,767,000 |
| Equity capital | 9,678,000 | 10,107,000 | 9,964,000 | 9,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 947,000 | 1,938,000 | 2,909,000 | 3,860,000 |
| Interest expense | 80,000 | 159,000 | 348,000 | 388,000 |
| Net interest income | 867,000 | 1,779,000 | 2,561,000 | 3,472,000 |
| Noninterest income | 399,000 | 848,000 | 1,273,000 | 1,757,000 |
| Noninterest expense | 1,114,000 | 2,277,000 | 3,425,000 | 4,629,000 |
| Provision for loan losses | 0 | 26,000 | 38,000 | 38,000 |
| Pretax income | 231,000 | 410,000 | 457,000 | 647,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 229,000 | 408,000 | 455,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,475,000 | 9,539,000 | 9,526,000 | 9,716,000 |
| Total capital | 9,784,000 | 9,834,000 | 9,833,000 | 10,024,000 |
| Risk-weighted assets | 70,375,000 | 71,543,000 | 71,017,000 | 69,444,000 |