Call reports 2022
LAKE REGION BANK — 2022
What LAKE REGION BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 157,831,000 | 157,717,000 | 154,217,000 | 151,738,000 |
| Total loans | 45,891,000 | 49,000,000 | 52,390,000 | 50,779,000 |
| Allowance for loan losses | 812,000 | 815,000 | 819,000 | 799,000 |
| Securities available for sale | 83,026,000 | 80,674,000 | 78,381,000 | 73,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,163,000 | 149,982,000 | 148,976,000 | 144,934,000 |
| Interest-bearing deposits | 100,363,000 | 98,689,000 | 97,156,000 | 97,737,000 |
| Noninterest-bearing deposits | 46,800,000 | 51,293,000 | 51,820,000 | 47,197,000 |
| Equity capital | 9,929,000 | 6,989,000 | 4,430,000 | 6,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,031,000 | 2,168,000 | 3,433,000 | 4,828,000 |
| Interest expense | 29,000 | 57,000 | 83,000 | 116,000 |
| Net interest income | 1,002,000 | 2,111,000 | 3,350,000 | 4,712,000 |
| Noninterest income | 533,000 | 1,447,000 | 2,001,000 | 2,311,000 |
| Noninterest expense | 1,196,000 | 2,478,000 | 3,822,000 | 5,210,000 |
| Provision for loan losses | -23,000 | -23,000 | -23,000 | -23,000 |
| Pretax income | 363,000 | 1,097,000 | 1,547,000 | 1,221,000 |
| Income tax | 30,000 | 75,000 | 121,000 | 167,000 |
| Net income | 333,000 | 1,022,000 | 1,426,000 | 1,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,137,000 | 14,826,000 | 15,230,000 | 14,858,000 |
| Total capital | 14,949,000 | 15,641,000 | 16,049,000 | 15,657,000 |
| Risk-weighted assets | 71,684,000 | 70,136,000 | 73,302,000 | 69,724,000 |