Call reports 2019
LAKE COMMUNITY BANK — 2019
What LAKE COMMUNITY BANK 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 | 120,282,000 | 116,792,000 | 119,963,000 | 121,187,000 |
| Total loans | 87,710,000 | 88,860,000 | 90,479,000 | 89,393,000 |
| Allowance for loan losses | 1,374,000 | 1,375,000 | 1,377,000 | 1,381,000 |
| Securities available for sale | 16,371,000 | 16,262,000 | 15,937,000 | 15,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,905,000 | 100,653,000 | 103,299,000 | 104,277,000 |
| Interest-bearing deposits | 43,716,000 | 60,699,000 | 76,269,000 | 77,826,000 |
| Noninterest-bearing deposits | 61,189,000 | 39,954,000 | 27,030,000 | 26,451,000 |
| Equity capital | 14,879,000 | 15,491,000 | 15,933,000 | 16,298,000 |
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 | 1,267,000 | 2,602,000 | 3,943,000 | 5,307,000 |
| Interest expense | 141,000 | 299,000 | 484,000 | 662,000 |
| Net interest income | 1,126,000 | 2,303,000 | 3,459,000 | 4,645,000 |
| Noninterest income | 79,000 | 237,000 | 306,000 | 371,000 |
| Noninterest expense | 709,000 | 1,477,000 | 2,207,000 | 2,967,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 496,000 | 1,059,000 | 1,554,000 | 2,045,000 |
| Income tax | 124,000 | 307,000 | 449,000 | 593,000 |
| Net income | 372,000 | 752,000 | 1,105,000 | 1,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,942,000 | 15,321,000 | 15,674,000 | 16,021,000 |
| Total capital | 16,189,000 | 16,557,000 | 16,921,000 | 17,257,000 |
| Risk-weighted assets | 99,657,000 | 98,745,000 | 99,659,000 | 98,710,000 |