Call reports 2019
LAKE BANK, THE — 2019
What LAKE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 135,520,000 | 129,400,000 | 133,627,000 | 130,928,000 |
| Total loans | 98,203,000 | 97,738,000 | 99,648,000 | 99,065,000 |
| Allowance for loan losses | 1,224,000 | 1,222,000 | 1,225,000 | 1,222,000 |
| Securities available for sale | 26,517,000 | 25,965,000 | 30,447,000 | 28,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,175,000 | 115,728,000 | 116,581,000 | 115,683,000 |
| Interest-bearing deposits | 111,444,000 | 103,613,000 | 103,532,000 | 103,988,000 |
| Noninterest-bearing deposits | 10,731,000 | 12,115,000 | 13,049,000 | 11,696,000 |
| Equity capital | 12,645,000 | 13,143,000 | 13,581,000 | 13,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,441,000 | 2,892,000 | 4,317,000 | 5,749,000 |
| Interest expense | 199,000 | 407,000 | 630,000 | 854,000 |
| Net interest income | 1,242,000 | 2,485,000 | 3,687,000 | 4,895,000 |
| Noninterest income | 96,000 | 322,000 | 490,000 | 565,000 |
| Noninterest expense | 742,000 | 1,696,000 | 2,530,000 | 3,425,000 |
| Provision for loan losses | -200,000 | -200,000 | -200,000 | -200,000 |
| Pretax income | 796,000 | 1,311,000 | 1,859,000 | 2,247,000 |
| Income tax | 227,000 | 363,000 | 517,000 | 624,000 |
| Net income | 569,000 | 948,000 | 1,342,000 | 1,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,669,000 | 12,856,000 | 13,260,000 | 13,554,000 |
| Total capital | 13,737,000 | 13,926,000 | 14,359,000 | 14,638,000 |
| Risk-weighted assets | 85,292,000 | 85,465,000 | 87,766,000 | 86,566,000 |