Call reports 2008
LAKEWOOD BANK, NATIONAL ASSOCIATION — 2008
What LAKEWOOD BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 124,062,000 | 135,748,000 | 133,738,000 | 135,212,000 |
| Total loans | 101,483,000 | 112,128,000 | 114,476,000 | 115,074,000 |
| Allowance for loan losses | 1,092,000 | 1,123,000 | 942,000 | 1,145,000 |
| Securities available for sale | 5,776,000 | 5,325,000 | 3,991,000 | 3,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,095,000 | 93,650,000 | 91,217,000 | 96,673,000 |
| Interest-bearing deposits | 67,262,000 | 74,748,000 | 71,995,000 | 77,659,000 |
| Noninterest-bearing deposits | 18,833,000 | 18,902,000 | 19,222,000 | 19,014,000 |
| Equity capital | 16,830,000 | 17,110,000 | 17,455,000 | 19,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,920,000 | 3,910,000 | 5,965,000 | 7,812,000 |
| Interest expense | 736,000 | 1,426,000 | 2,078,000 | 2,696,000 |
| Net interest income | 1,184,000 | 2,484,000 | 3,887,000 | 5,116,000 |
| Noninterest income | 182,000 | 314,000 | 462,000 | 589,000 |
| Noninterest expense | 737,000 | 1,521,000 | 2,370,000 | 3,209,000 |
| Provision for loan losses | 93,000 | 155,000 | 263,000 | 873,000 |
| Pretax income | 536,000 | 1,122,000 | 1,722,000 | 1,629,000 |
| Income tax | 227,000 | 473,000 | 724,000 | 696,000 |
| Net income | 309,000 | 649,000 | 998,000 | 933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,138,000 | 8,498,000 | 8,867,000 | 10,978,000 |
| Total capital | 10,730,000 | 12,121,000 | 12,309,000 | 12,123,000 |
| Risk-weighted assets | 103,584,000 | 110,849,000 | 110,877,000 | 109,881,000 |