Call reports 2023
LAKE REGION BANK — 2023
What LAKE REGION BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 145,368,000 | 141,893,000 | 141,190,000 | 144,237,000 |
| Total loans | 51,244,000 | 52,162,000 | 53,592,000 | 52,514,000 |
| Allowance for loan losses | 781,000 | 528,000 | 602,000 | 643,000 |
| Securities available for sale | 74,934,000 | 74,012,000 | 71,832,000 | 72,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,321,000 | 133,616,000 | 133,912,000 | 133,504,000 |
| Interest-bearing deposits | 94,785,000 | 91,692,000 | 91,376,000 | 92,319,000 |
| Noninterest-bearing deposits | 42,536,000 | 41,924,000 | 42,536,000 | 41,185,000 |
| Equity capital | 7,223,000 | 7,324,000 | 6,252,000 | 9,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,508,000 | 3,024,000 | 4,550,000 | 6,339,000 |
| Interest expense | 35,000 | 119,000 | 271,000 | 441,000 |
| Net interest income | 1,473,000 | 2,905,000 | 4,279,000 | 5,898,000 |
| Noninterest income | 441,000 | 976,000 | 1,496,000 | 2,253,000 |
| Noninterest expense | 1,290,000 | 2,593,000 | 3,955,000 | 5,414,000 |
| Provision for loan losses | 0 | 80,000 | 135,000 | 170,000 |
| Pretax income | 633,000 | 1,221,000 | 1,701,000 | 2,328,000 |
| Income tax | -4,000 | -2,000 | -94,000 | 52,000 |
| Net income | 637,000 | 1,223,000 | 1,795,000 | 2,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,018,000 | 15,604,000 | 16,176,000 | 16,157,000 |
| Total capital | 15,799,000 | 16,132,000 | 16,778,000 | 16,800,000 |
| Risk-weighted assets | 71,024,000 | 70,715,000 | 72,316,000 | 68,205,000 |