Call reports 2020
LAKE REGION BANK — 2020
What LAKE REGION BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 119,746,000 | 130,256,000 | 132,580,000 | 140,209,000 |
| Total loans | 57,899,000 | 63,203,000 | 60,093,000 | 54,325,000 |
| Allowance for loan losses | 572,000 | 647,000 | 696,000 | 793,000 |
| Securities available for sale | 41,341,000 | 44,109,000 | 45,464,000 | 56,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,734,000 | 115,282,000 | 117,741,000 | 125,590,000 |
| Interest-bearing deposits | 77,385,000 | 80,279,000 | 82,592,000 | 87,622,000 |
| Noninterest-bearing deposits | 29,349,000 | 35,003,000 | 35,149,000 | 37,968,000 |
| Equity capital | 11,504,000 | 13,188,000 | 13,877,000 | 13,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,130,000 | 2,248,000 | 3,358,000 | 4,548,000 |
| Interest expense | 49,000 | 97,000 | 178,000 | 214,000 |
| Net interest income | 1,081,000 | 2,151,000 | 3,180,000 | 4,334,000 |
| Noninterest income | 444,000 | 1,034,000 | 1,672,000 | 2,302,000 |
| Noninterest expense | 1,224,000 | 2,402,000 | 3,649,000 | 4,926,000 |
| Provision for loan losses | 35,000 | 110,000 | 170,000 | 250,000 |
| Pretax income | 321,000 | 732,000 | 1,091,000 | 1,523,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 319,000 | 730,000 | 1,089,000 | 1,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,507,000 | 11,918,000 | 12,278,000 | 12,060,000 |
| Total capital | 12,079,000 | 12,565,000 | 12,974,000 | 12,853,000 |
| Risk-weighted assets | 64,708,000 | 67,111,000 | 63,103,000 | 65,154,000 |