Call reports 2004
LAKEWOOD BANK, NATIONAL ASSOCIATION — 2004
What LAKEWOOD BANK, NATIONAL ASSOCIATION 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 | 80,644,000 | 79,773,000 | 80,817,000 | 82,344,000 |
| Total loans | 60,245,000 | 59,502,000 | 61,256,000 | 66,245,000 |
| Allowance for loan losses | 507,000 | 514,000 | 523,000 | 535,000 |
| Securities available for sale | 12,083,000 | 11,285,000 | 9,935,000 | 7,707,000 |
| Securities held to maturity | 234,000 | 234,000 | 227,000 | 223,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,645,000 | 63,828,000 | 67,154,000 | 67,116,000 |
| Interest-bearing deposits | 43,637,000 | 44,297,000 | 45,909,000 | 48,459,000 |
| Noninterest-bearing deposits | 17,008,000 | 19,531,000 | 21,245,000 | 18,657,000 |
| Equity capital | 8,316,000 | 7,973,000 | 8,427,000 | 8,808,000 |
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 | 1,106,000 | 2,234,000 | 3,423,000 | 4,641,000 |
| Interest expense | 170,000 | 348,000 | 531,000 | 725,000 |
| Net interest income | 936,000 | 1,886,000 | 2,892,000 | 3,916,000 |
| Noninterest income | 157,000 | 342,000 | 455,000 | 585,000 |
| Noninterest expense | 794,000 | 1,573,000 | 2,314,000 | 3,020,000 |
| Provision for loan losses | 1,000 | 13,000 | 25,000 | 37,000 |
| Pretax income | 300,000 | 644,000 | 1,004,000 | 1,387,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 297,000 | 641,000 | 1,001,000 | 1,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,830,000 | 7,018,000 | 7,206,000 | 7,589,000 |
| Total capital | 7,337,000 | 7,532,000 | 7,729,000 | 8,124,000 |
| Risk-weighted assets | 65,419,000 | 68,709,000 | 70,582,000 | 74,353,000 |