Call reports 2016
LAKE COMMUNITY BANK — 2016
What LAKE COMMUNITY BANK 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 | 117,130,000 | 113,062,000 | 119,651,000 | 119,532,000 |
| Total loans | 80,856,000 | 82,876,000 | 83,750,000 | 83,003,000 |
| Allowance for loan losses | 1,382,000 | 1,395,000 | 1,362,000 | 1,364,000 |
| Securities available for sale | 18,606,000 | 18,184,000 | 17,568,000 | 17,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,933,000 | 97,425,000 | 103,712,000 | 103,958,000 |
| Interest-bearing deposits | 61,454,000 | 58,741,000 | 61,364,000 | 61,765,000 |
| Noninterest-bearing deposits | 40,479,000 | 38,684,000 | 42,348,000 | 42,193,000 |
| Equity capital | 14,805,000 | 15,325,000 | 15,559,000 | 15,404,000 |
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 | 1,106,000 | 2,208,000 | 3,300,000 | 4,368,000 |
| Interest expense | 73,000 | 147,000 | 221,000 | 294,000 |
| Net interest income | 1,033,000 | 2,061,000 | 3,079,000 | 4,074,000 |
| Noninterest income | 122,000 | 336,000 | 409,000 | 502,000 |
| Noninterest expense | 679,000 | 1,352,000 | 2,027,000 | 2,824,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 515,000 | 1,084,000 | 1,500,000 | 1,791,000 |
| Income tax | 195,000 | 337,000 | 513,000 | 606,000 |
| Net income | 320,000 | 747,000 | 987,000 | 1,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,788,000 | 15,214,000 | 15,454,000 | 15,652,000 |
| Total capital | 15,901,000 | 16,346,000 | 16,583,000 | 16,778,000 |
| Risk-weighted assets | 88,755,000 | 90,457,000 | 90,005,000 | 89,803,000 |