Call reports 2007
LAKEWOOD BANK, NATIONAL ASSOCIATION — 2007
What LAKEWOOD BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 96,999,000 | 100,519,000 | 105,388,000 | 116,142,000 |
| Total loans | 76,695,000 | 80,780,000 | 85,324,000 | 93,865,000 |
| Allowance for loan losses | 782,000 | 980,000 | 1,023,000 | 984,000 |
| Securities available for sale | 4,267,000 | 4,215,000 | 4,719,000 | 5,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,458,000 | 80,889,000 | 85,154,000 | 86,743,000 |
| Interest-bearing deposits | 61,324,000 | 61,382,000 | 66,566,000 | 67,607,000 |
| Noninterest-bearing deposits | 17,134,000 | 19,507,000 | 18,588,000 | 19,136,000 |
| Equity capital | 16,566,000 | 16,553,000 | 16,633,000 | 16,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,648,000 | 3,337,000 | 5,093,000 | 6,967,000 |
| Interest expense | 579,000 | 1,177,000 | 1,801,000 | 2,503,000 |
| Net interest income | 1,069,000 | 2,160,000 | 3,292,000 | 4,464,000 |
| Noninterest income | 111,000 | 249,000 | 372,000 | 507,000 |
| Noninterest expense | 762,000 | 1,616,000 | 2,384,000 | 3,169,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 380,000 | 718,000 | 1,167,000 | 1,652,000 |
| Income tax | 164,000 | 309,000 | 499,000 | 704,000 |
| Net income | 216,000 | 409,000 | 668,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,869,000 | 7,880,000 | 7,959,000 | 8,059,000 |
| Total capital | 8,651,000 | 8,860,000 | 8,982,000 | 10,543,000 |
| Risk-weighted assets | 79,019,000 | 83,373,000 | 87,017,000 | 96,156,000 |