Call reports 2021
LAKE REGION BANK — 2021
What LAKE REGION BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 149,735,000 | 151,460,000 | 154,571,000 | 156,039,000 |
| Total loans | 56,480,000 | 53,156,000 | 50,056,000 | 47,353,000 |
| Allowance for loan losses | 795,000 | 807,000 | 809,000 | 808,000 |
| Securities available for sale | 63,702,000 | 70,650,000 | 71,811,000 | 78,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,323,000 | 135,724,000 | 138,645,000 | 140,512,000 |
| Interest-bearing deposits | 90,456,000 | 95,310,000 | 95,149,000 | 96,454,000 |
| Noninterest-bearing deposits | 44,867,000 | 40,414,000 | 43,496,000 | 44,058,000 |
| Equity capital | 13,350,000 | 14,587,000 | 15,079,000 | 14,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,163,000 | 2,343,000 | 3,704,000 | 4,846,000 |
| Interest expense | 33,000 | 64,000 | 96,000 | 127,000 |
| Net interest income | 1,130,000 | 2,279,000 | 3,608,000 | 4,719,000 |
| Noninterest income | 725,000 | 1,339,000 | 1,999,000 | 2,904,000 |
| Noninterest expense | 1,223,000 | 2,513,000 | 3,814,000 | 5,148,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 644,000 | 1,127,000 | 1,821,000 | 2,511,000 |
| Income tax | 0 | 0 | 2,000 | 137,000 |
| Net income | 644,000 | 1,127,000 | 1,819,000 | 2,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,704,000 | 13,187,000 | 13,878,000 | 13,804,000 |
| Total capital | 13,499,000 | 13,994,000 | 14,687,000 | 14,612,000 |
| Risk-weighted assets | 66,136,000 | 68,529,000 | 67,774,000 | 67,541,000 |