Call reports 2006
LAKEWOOD BANK, NATIONAL ASSOCIATION — 2006
What LAKEWOOD BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 93,529,000 | 96,583,000 | 96,680,000 | 97,226,000 |
| Total loans | 71,992,000 | 75,125,000 | 76,487,000 | 76,738,000 |
| Allowance for loan losses | 835,000 | 856,000 | 896,000 | 743,000 |
| Securities available for sale | 2,752,000 | 4,476,000 | 4,433,000 | 4,382,000 |
| Securities held to maturity | 80,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,285,000 | 76,846,000 | 77,651,000 | 78,286,000 |
| Interest-bearing deposits | 57,568,000 | 58,181,000 | 58,830,000 | 60,875,000 |
| Noninterest-bearing deposits | 16,717,000 | 18,665,000 | 18,821,000 | 17,411,000 |
| Equity capital | 16,403,000 | 16,648,000 | 16,576,000 | 16,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 506,000 | 2,037,000 | 3,656,000 | 5,266,000 |
| Interest expense | 157,000 | 599,000 | 1,068,000 | 1,589,000 |
| Net interest income | 349,000 | 1,438,000 | 2,588,000 | 3,677,000 |
| Noninterest income | 56,000 | 190,000 | 318,000 | 431,000 |
| Noninterest expense | 259,000 | 1,010,000 | 1,784,000 | 2,450,000 |
| Provision for loan losses | 0 | 25,000 | 100,000 | 175,000 |
| Pretax income | 146,000 | 593,000 | 1,022,000 | 1,483,000 |
| Income tax | 64,000 | 254,000 | 438,000 | 630,000 |
| Net income | 82,000 | 339,000 | 584,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,531,000 | 7,806,000 | 7,843,000 | 7,882,000 |
| Total capital | 8,366,000 | 8,662,000 | 8,739,000 | 8,625,000 |
| Risk-weighted assets | 79,225,000 | 79,166,000 | 80,782,000 | 80,681,000 |