Call reports 2019
LAKE REGION BANK — 2019
What LAKE REGION BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 112,674,000 | 109,803,000 | 113,953,000 | 118,481,000 |
| Total loans | 58,573,000 | 59,429,000 | 59,143,000 | 57,893,000 |
| Allowance for loan losses | 531,000 | 533,000 | 572,000 | 536,000 |
| Securities available for sale | 34,460,000 | 29,020,000 | 31,662,000 | 37,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,813,000 | 96,137,000 | 100,910,000 | 105,765,000 |
| Interest-bearing deposits | 72,962,000 | 71,315,000 | 72,185,000 | 76,199,000 |
| Noninterest-bearing deposits | 26,851,000 | 24,822,000 | 28,725,000 | 29,566,000 |
| Equity capital | 11,366,000 | 12,081,000 | 11,452,000 | 11,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,131,000 | 2,284,000 | 3,431,000 | 4,626,000 |
| Interest expense | 48,000 | 96,000 | 143,000 | 191,000 |
| Net interest income | 1,083,000 | 2,188,000 | 3,288,000 | 4,435,000 |
| Noninterest income | 451,000 | 961,000 | 1,454,000 | 1,987,000 |
| Noninterest expense | 1,198,000 | 2,521,000 | 3,779,000 | 5,103,000 |
| Provision for loan losses | 10,000 | 10,000 | 45,000 | 60,000 |
| Pretax income | 325,000 | 738,000 | 1,038,000 | 1,373,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 323,000 | 736,000 | 1,036,000 | 1,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,200,000 | 11,613,000 | 10,853,000 | 11,188,000 |
| Total capital | 11,731,000 | 12,146,000 | 11,425,000 | 11,724,000 |
| Risk-weighted assets | 61,866,000 | 62,914,000 | 63,256,000 | 64,398,000 |