Call reports 2013
LAKE BANK, THE — 2013
What LAKE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 101,262,000 | 102,406,000 | 101,453,000 | 101,132,000 |
| Total loans | 68,958,000 | 72,745,000 | 72,002,000 | 70,902,000 |
| Allowance for loan losses | 1,095,000 | 1,155,000 | 960,000 | 1,220,000 |
| Securities available for sale | 20,914,000 | 22,030,000 | 22,910,000 | 23,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,062,000 | 89,091,000 | 89,574,000 | 89,609,000 |
| Interest-bearing deposits | 82,551,000 | 81,327,000 | 81,644,000 | 81,703,000 |
| Noninterest-bearing deposits | 8,511,000 | 7,764,000 | 7,930,000 | 7,906,000 |
| Equity capital | 10,024,000 | 9,735,000 | 9,823,000 | 9,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 924,000 | 1,883,000 | 2,869,000 | 3,816,000 |
| Interest expense | 98,000 | 191,000 | 281,000 | 368,000 |
| Net interest income | 826,000 | 1,692,000 | 2,588,000 | 3,448,000 |
| Noninterest income | 52,000 | 190,000 | 279,000 | 252,000 |
| Noninterest expense | 696,000 | 1,405,000 | 2,100,000 | 2,835,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 490,000 |
| Pretax income | 196,000 | 524,000 | 754,000 | 422,000 |
| Income tax | 68,000 | 189,000 | 270,000 | 125,000 |
| Net income | 128,000 | 335,000 | 484,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,872,000 | 9,230,000 | 9,412,000 | 8,808,000 |
| Total capital | 9,642,000 | 10,007,000 | 10,186,000 | 9,586,000 |
| Risk-weighted assets | 61,312,000 | 61,758,000 | 61,764,000 | 61,762,000 |