Call reports 2004
BANK OF LAKE VILLAGE — 2004
What BANK OF LAKE VILLAGE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 64,638,000 | 63,391,000 | 64,136,000 | 58,592,000 |
| Total loans | 43,868,000 | 44,116,000 | 44,790,000 | 36,856,000 |
| Allowance for loan losses | 2,722,000 | 2,332,000 | 2,392,000 | 1,989,000 |
| Securities available for sale | 11,414,000 | 14,686,000 | 14,122,000 | 13,718,000 |
| Securities held to maturity | 843,000 | 716,000 | 743,000 | 693,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,159,000 | 49,680,000 | 51,474,000 | 49,779,000 |
| Interest-bearing deposits | 45,750,000 | 41,806,000 | 43,503,000 | 40,645,000 |
| Noninterest-bearing deposits | 8,409,000 | 7,874,000 | 7,971,000 | 9,134,000 |
| Equity capital | 6,976,000 | 5,906,000 | 5,628,000 | 5,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 886,000 | 1,546,000 | 2,311,000 | 3,002,000 |
| Interest expense | 241,000 | 466,000 | 711,000 | 935,000 |
| Net interest income | 645,000 | 1,080,000 | 1,600,000 | 2,067,000 |
| Noninterest income | 95,000 | 192,000 | 297,000 | 389,000 |
| Noninterest expense | 595,000 | 1,456,000 | 2,178,000 | 2,796,000 |
| Provision for loan losses | 404,000 | 1,416,000 | 1,611,000 | 1,736,000 |
| Pretax income | -244,000 | -1,585,000 | -1,872,000 | -2,057,000 |
| Income tax | -116,000 | -557,000 | -571,000 | -477,000 |
| Net income | -128,000 | -1,028,000 | -1,301,000 | -1,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,701,000 | 5,711,000 | 5,411,000 | 5,232,000 |
| Total capital | 7,354,000 | 6,342,000 | 6,050,000 | 5,782,000 |
| Risk-weighted assets | 50,209,000 | 48,716,000 | 49,358,000 | 42,557,000 |