Call reports 2014
LAKE COMMUNITY BANK — 2014
What LAKE COMMUNITY BANK 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 | 113,858,000 | 109,671,000 | 110,357,000 | 113,536,000 |
| Total loans | 62,391,000 | 67,223,000 | 74,188,000 | 73,289,000 |
| Allowance for loan losses | 1,465,000 | 1,474,000 | 1,483,000 | 1,486,000 |
| Securities available for sale | 29,019,000 | 28,467,000 | 26,944,000 | 28,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,478,000 | 95,876,000 | 96,225,000 | 99,354,000 |
| Interest-bearing deposits | 59,284,000 | 57,029,000 | 57,187,000 | 59,148,000 |
| Noninterest-bearing deposits | 41,194,000 | 38,847,000 | 39,038,000 | 40,206,000 |
| Equity capital | 13,031,000 | 13,544,000 | 13,756,000 | 14,025,000 |
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 | 1,176,000 | 2,178,000 | 3,254,000 | 4,387,000 |
| Interest expense | 113,000 | 194,000 | 272,000 | 351,000 |
| Net interest income | 1,063,000 | 1,984,000 | 2,982,000 | 4,036,000 |
| Noninterest income | 142,000 | 408,000 | 504,000 | 600,000 |
| Noninterest expense | 657,000 | 1,318,000 | 2,026,000 | 2,787,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 548,000 | 1,068,000 | 1,454,000 | 1,840,000 |
| Income tax | 185,000 | 408,000 | 552,000 | 724,000 |
| Net income | 363,000 | 660,000 | 902,000 | 1,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,374,000 | 13,671,000 | 13,913,000 | 14,127,000 |
| Total capital | 14,275,000 | 14,600,000 | 14,926,000 | 15,125,000 |
| Risk-weighted assets | 71,542,000 | 73,810,000 | 80,585,000 | 79,387,000 |