Call reports 2022
LAKE COMMUNITY BANK — 2022
What LAKE COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 157,491,000 | 164,478,000 | 162,373,000 | 164,065,000 |
| Total loans | 103,245,000 | 105,658,000 | 106,083,000 | 106,214,000 |
| Allowance for loan losses | 60,000 | 105,000 | 120,000 | 135,000 |
| Securities available for sale | 31,262,000 | 29,624,000 | 28,286,000 | 27,556,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,858,000 | 142,526,000 | 140,132,000 | 141,145,000 |
| Interest-bearing deposits | 90,555,000 | 92,941,000 | 93,438,000 | 88,620,000 |
| Noninterest-bearing deposits | 44,303,000 | 49,585,000 | 46,694,000 | 52,525,000 |
| Equity capital | 22,307,000 | 21,729,000 | 21,956,000 | 22,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,182,000 | 2,601,000 | 4,115,000 | 5,796,000 |
| Interest expense | 61,000 | 121,000 | 202,000 | 316,000 |
| Net interest income | 1,121,000 | 2,480,000 | 3,913,000 | 5,480,000 |
| Noninterest income | 61,000 | 118,000 | 179,000 | 239,000 |
| Noninterest expense | 724,000 | 1,455,000 | 2,229,000 | 3,399,000 |
| Provision for loan losses | 60,000 | 105,000 | 120,000 | 135,000 |
| Pretax income | 454,000 | 1,093,000 | 1,797,000 | 2,240,000 |
| Income tax | 131,000 | 316,000 | 520,000 | 648,000 |
| Net income | 323,000 | 777,000 | 1,277,000 | 1,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,466,000 | 17,414,000 | 18,316,000 | 18,279,000 |
| Total capital | 17,526,000 | 17,519,000 | 18,436,000 | 18,414,000 |
| Risk-weighted assets | 125,100,000 | 129,275,000 | 125,682,000 | 121,662,000 |