Call reports 2003
LAKEWOOD BANK, NATIONAL ASSOCIATION — 2003
What LAKEWOOD BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 66,995,000 | 69,758,000 | 72,304,000 | 79,884,000 |
| Total loans | 47,344,000 | 49,333,000 | 51,387,000 | 55,874,000 |
| Allowance for loan losses | 480,000 | 503,000 | 521,000 | 522,000 |
| Securities available for sale | 6,057,000 | 7,364,000 | 11,537,000 | 13,749,000 |
| Securities held to maturity | 242,000 | 242,000 | 238,000 | 234,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,600,000 | 57,775,000 | 60,517,000 | 66,828,000 |
| Interest-bearing deposits | 38,247,000 | 38,480,000 | 41,446,000 | 47,102,000 |
| Noninterest-bearing deposits | 17,353,000 | 19,295,000 | 19,071,000 | 19,726,000 |
| Equity capital | 7,784,000 | 7,816,000 | 7,711,000 | 8,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 964,000 | 1,889,000 | 2,852,000 | 3,912,000 |
| Interest expense | 148,000 | 290,000 | 432,000 | 581,000 |
| Net interest income | 816,000 | 1,599,000 | 2,420,000 | 3,331,000 |
| Noninterest income | 144,000 | 358,000 | 528,000 | 666,000 |
| Noninterest expense | 721,000 | 1,416,000 | 2,138,000 | 2,930,000 |
| Provision for loan losses | 12,000 | 36,000 | 54,000 | 56,000 |
| Pretax income | 267,000 | 561,000 | 824,000 | 1,079,000 |
| Income tax | 3,000 | 6,000 | 0 | 0 |
| Net income | 264,000 | 555,000 | 824,000 | 1,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,372,000 | 6,342,000 | 6,482,000 | 6,737,000 |
| Total capital | 6,852,000 | 6,845,000 | 7,003,000 | 7,259,000 |
| Risk-weighted assets | 52,008,000 | 55,031,000 | 57,519,000 | 62,053,000 |