Call reports 2020
LAKE COMMUNITY BANK — 2020
What LAKE COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 117,830,000 | 139,265,000 | 142,785,000 | 140,816,000 |
| Total loans | 88,307,000 | 93,792,000 | 98,111,000 | 91,300,000 |
| Allowance for loan losses | 1,122,000 | 1,127,000 | 1,128,000 | 1,127,000 |
| Securities available for sale | 17,673,000 | 18,789,000 | 18,033,000 | 17,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,152,000 | 114,624,000 | 117,299,000 | 119,355,000 |
| Interest-bearing deposits | 77,111,000 | 81,489,000 | 82,596,000 | 84,159,000 |
| Noninterest-bearing deposits | 25,041,000 | 33,135,000 | 34,703,000 | 35,196,000 |
| Equity capital | 15,026,000 | 15,802,000 | 16,416,000 | 16,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,241,000 | 2,412,000 | 3,967,000 | 5,108,000 |
| Interest expense | 163,000 | 303,000 | 430,000 | 548,000 |
| Net interest income | 1,078,000 | 2,109,000 | 3,537,000 | 4,560,000 |
| Noninterest income | 60,000 | 110,000 | 168,000 | 222,000 |
| Noninterest expense | 720,000 | 1,424,000 | 2,142,000 | 2,869,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 625,000 | 1,002,000 | 1,770,000 | 2,120,000 |
| Income tax | 182,000 | 311,000 | 531,000 | 636,000 |
| Net income | 443,000 | 691,000 | 1,239,000 | 1,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,032,000 | 15,280,000 | 15,828,000 | 16,073,000 |
| Total capital | 16,154,000 | 16,407,000 | 16,956,000 | 17,200,000 |
| Risk-weighted assets | 96,737,000 | 93,037,000 | 100,602,000 | 98,024,000 |