Call reports 2013
LAKE COMMUNITY BANK — 2013
What LAKE COMMUNITY BANK 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 | 136,346,000 | 118,337,000 | 109,115,000 | 113,509,000 |
| Total loans | 76,813,000 | 69,960,000 | 66,603,000 | 65,348,000 |
| Allowance for loan losses | 1,793,000 | 1,631,000 | 1,514,000 | 1,495,000 |
| Securities available for sale | 31,839,000 | 32,081,000 | 28,921,000 | 27,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,560,000 | 91,535,000 | 92,023,000 | 96,526,000 |
| Interest-bearing deposits | 68,860,000 | 54,595,000 | 38,186,000 | 56,618,000 |
| Noninterest-bearing deposits | 38,700,000 | 36,940,000 | 53,837,000 | 39,908,000 |
| Equity capital | 13,356,000 | 12,639,000 | 12,824,000 | 12,617,000 |
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 | 1,217,000 | 2,444,000 | 3,464,000 | 4,603,000 |
| Interest expense | 226,000 | 443,000 | 628,000 | 752,000 |
| Net interest income | 991,000 | 2,001,000 | 2,836,000 | 3,851,000 |
| Noninterest income | 190,000 | 713,000 | 892,000 | 1,039,000 |
| Noninterest expense | 940,000 | 2,975,000 | 3,846,000 | 4,987,000 |
| Provision for loan losses | 0 | 98,000 | 127,000 | 127,000 |
| Pretax income | 233,000 | -390,000 | -276,000 | -255,000 |
| Income tax | 0 | -274,000 | -404,000 | -94,000 |
| Net income | 233,000 | -116,000 | 128,000 | -161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,834,000 | 12,484,000 | 12,729,000 | 12,690,000 |
| Total capital | 13,957,000 | 13,479,000 | 13,665,000 | 13,610,000 |
| Risk-weighted assets | 89,193,000 | 79,018,000 | 74,329,000 | 73,075,000 |