Call reports 2014
LAKE BANK, THE — 2014
What LAKE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 103,325,000 | 106,961,000 | 109,902,000 | 107,475,000 |
| Total loans | 73,386,000 | 74,851,000 | 76,608,000 | 77,562,000 |
| Allowance for loan losses | 1,225,000 | 1,225,000 | 1,224,000 | 1,231,000 |
| Securities available for sale | 23,809,000 | 21,053,000 | 23,587,000 | 23,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,848,000 | 97,069,000 | 99,309,000 | 97,061,000 |
| Interest-bearing deposits | 85,631,000 | 88,811,000 | 89,633,000 | 88,761,000 |
| Noninterest-bearing deposits | 7,217,000 | 8,258,000 | 9,676,000 | 8,300,000 |
| Equity capital | 9,413,000 | 9,687,000 | 9,884,000 | 10,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 948,000 | 1,932,000 | 2,910,000 | 3,934,000 |
| Interest expense | 81,000 | 162,000 | 245,000 | 324,000 |
| Net interest income | 867,000 | 1,770,000 | 2,665,000 | 3,610,000 |
| Noninterest income | 54,000 | 134,000 | 252,000 | 276,000 |
| Noninterest expense | 725,000 | 1,477,000 | 2,207,000 | 3,054,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 187,000 | 418,000 | 695,000 | 793,000 |
| Income tax | 70,000 | 154,000 | 254,000 | 266,000 |
| Net income | 117,000 | 264,000 | 441,000 | 527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,633,000 | 8,897,000 | 9,162,000 | 9,333,000 |
| Total capital | 9,403,000 | 9,702,000 | 9,985,000 | 10,170,000 |
| Risk-weighted assets | 61,121,000 | 64,039,000 | 65,488,000 | 66,574,000 |