Call reports 2009
BANK OF LAKE VILLAGE — 2009
What BANK OF LAKE VILLAGE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 58,974,000 | 57,821,000 | 59,185,000 | 57,310,000 |
| Total loans | 36,301,000 | 38,842,000 | 41,674,000 | 33,754,000 |
| Allowance for loan losses | 1,928,000 | 489,000 | 499,000 | 667,000 |
| Securities available for sale | 11,982,000 | 10,687,000 | 9,145,000 | 11,270,000 |
| Securities held to maturity | 1,298,000 | 1,279,000 | 1,476,000 | 1,208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,562,000 | 52,546,000 | 53,815,000 | 51,104,000 |
| Interest-bearing deposits | 43,183,000 | 44,006,000 | 44,444,000 | 40,693,000 |
| Noninterest-bearing deposits | 9,379,000 | 8,540,000 | 9,371,000 | 10,411,000 |
| Equity capital | 6,265,000 | 5,180,000 | 5,300,000 | 6,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 716,000 | 1,395,000 | 2,247,000 | 2,972,000 |
| Interest expense | 172,000 | 331,000 | 476,000 | 602,000 |
| Net interest income | 544,000 | 1,064,000 | 1,771,000 | 2,370,000 |
| Noninterest income | 77,000 | 147,000 | 209,000 | 282,000 |
| Noninterest expense | 546,000 | 1,151,000 | 1,795,000 | 2,367,000 |
| Provision for loan losses | 60,000 | 1,974,000 | 1,974,000 | 2,157,000 |
| Pretax income | 19,000 | -1,910,000 | -1,785,000 | -1,868,000 |
| Income tax | 22,000 | -816,000 | -779,000 | -675,000 |
| Net income | -3,000 | -1,094,000 | -1,006,000 | -1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,069,000 | 5,060,000 | 5,149,000 | 6,012,000 |
| Total capital | 6,580,000 | 5,538,000 | 5,648,000 | 6,447,000 |
| Risk-weighted assets | 39,428,000 | 38,255,000 | 40,194,000 | 36,636,000 |