Call reports 2016
LAKE BANK, THE — 2016
What LAKE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 120,909,000 | 114,204,000 | 122,623,000 | 129,380,000 |
| Total loans | 90,674,000 | 95,172,000 | 96,974,000 | 100,921,000 |
| Allowance for loan losses | 1,757,000 | 1,601,000 | 1,596,000 | 1,596,000 |
| Securities available for sale | 19,056,000 | 14,600,000 | 21,043,000 | 18,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,735,000 | 101,753,000 | 108,862,000 | 118,168,000 |
| Interest-bearing deposits | 99,755,000 | 93,707,000 | 99,168,000 | 106,178,000 |
| Noninterest-bearing deposits | 8,980,000 | 8,046,000 | 9,694,000 | 11,990,000 |
| Equity capital | 10,643,000 | 10,880,000 | 11,090,000 | 10,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,144,000 | 2,293,000 | 3,447,000 | 4,637,000 |
| Interest expense | 98,000 | 195,000 | 300,000 | 412,000 |
| Net interest income | 1,046,000 | 2,098,000 | 3,147,000 | 4,225,000 |
| Noninterest income | 68,000 | 150,000 | 233,000 | 315,000 |
| Noninterest expense | 733,000 | 1,519,000 | 2,263,000 | 3,095,000 |
| Provision for loan losses | 600,000 | 610,000 | 610,000 | 610,000 |
| Pretax income | -219,000 | 119,000 | 507,000 | 835,000 |
| Income tax | -94,000 | 34,000 | 183,000 | 307,000 |
| Net income | -125,000 | 85,000 | 324,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,156,000 | 10,406,000 | 10,640,000 | 10,855,000 |
| Total capital | 11,244,000 | 11,523,000 | 11,791,000 | 12,030,000 |
| Risk-weighted assets | 86,281,000 | 88,836,000 | 91,569,000 | 93,485,000 |