Call reports 2015
LAKE COMMUNITY BANK — 2015
What LAKE COMMUNITY BANK 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 | 115,093,000 | 112,759,000 | 115,490,000 | 115,389,000 |
| Total loans | 74,290,000 | 78,803,000 | 84,882,000 | 82,730,000 |
| Allowance for loan losses | 1,265,000 | 1,309,000 | 1,311,000 | 1,365,000 |
| Securities available for sale | 27,916,000 | 22,264,000 | 18,639,000 | 17,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,372,000 | 98,000,000 | 100,281,000 | 100,017,000 |
| Interest-bearing deposits | 58,920,000 | 60,403,000 | 60,182,000 | 58,939,000 |
| Noninterest-bearing deposits | 41,452,000 | 37,597,000 | 40,099,000 | 41,078,000 |
| Equity capital | 14,378,000 | 14,553,000 | 14,939,000 | 15,229,000 |
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 | 1,059,000 | 2,179,000 | 3,316,000 | 4,422,000 |
| Interest expense | 76,000 | 149,000 | 223,000 | 295,000 |
| Net interest income | 983,000 | 2,030,000 | 3,093,000 | 4,127,000 |
| Noninterest income | 106,000 | 235,000 | 357,000 | 480,000 |
| Noninterest expense | 694,000 | 1,359,000 | 2,022,000 | 2,781,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 395,000 | 911,000 | 1,432,000 | 1,830,000 |
| Income tax | 148,000 | 343,000 | 538,000 | 689,000 |
| Net income | 247,000 | 568,000 | 894,000 | 1,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,373,000 | 14,694,000 | 15,020,000 | 15,267,000 |
| Total capital | 15,402,000 | 15,784,000 | 16,166,000 | 16,389,000 |
| Risk-weighted assets | 82,157,000 | 87,002,000 | 91,517,000 | 89,557,000 |