Call reports 2015
LAKE BANK, THE — 2015
What LAKE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 109,598,000 | 112,887,000 | 114,068,000 | 117,096,000 |
| Total loans | 81,701,000 | 83,602,000 | 87,494,000 | 90,509,000 |
| Allowance for loan losses | 1,649,000 | 1,168,000 | 1,173,000 | 1,173,000 |
| Securities available for sale | 23,146,000 | 23,804,000 | 21,625,000 | 20,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,101,000 | 102,075,000 | 100,515,000 | 105,864,000 |
| Interest-bearing deposits | 88,361,000 | 91,533,000 | 90,800,000 | 96,439,000 |
| Noninterest-bearing deposits | 7,740,000 | 10,542,000 | 9,715,000 | 9,425,000 |
| Equity capital | 10,200,000 | 10,172,000 | 10,573,000 | 10,722,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,006,000 | 2,079,000 | 3,192,000 | 4,326,000 |
| Interest expense | 80,000 | 165,000 | 252,000 | 342,000 |
| Net interest income | 926,000 | 1,914,000 | 2,940,000 | 3,984,000 |
| Noninterest income | 152,000 | 307,000 | 414,000 | 538,000 |
| Noninterest expense | 787,000 | 1,545,000 | 2,319,000 | 3,176,000 |
| Provision for loan losses | 390,000 | 480,000 | 480,000 | 480,000 |
| Pretax income | -109,000 | 186,000 | 538,000 | 849,000 |
| Income tax | -41,000 | 97,000 | 231,000 | 339,000 |
| Net income | -68,000 | 89,000 | 307,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,598,000 | 9,800,000 | 10,068,000 | 10,295,000 |
| Total capital | 10,596,000 | 10,811,000 | 11,116,000 | 11,377,000 |
| Risk-weighted assets | 79,218,000 | 80,605,000 | 83,570,000 | 86,342,000 |