Call reports 2023
LAKE COMMUNITY BANK — 2023
What LAKE COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 156,918,000 | 163,583,000 | 162,290,000 | 138,319,000 |
| Total loans | 104,497,000 | 98,531,000 | 95,594,000 | 96,633,000 |
| Allowance for loan losses | 1,250,000 | 1,250,000 | 1,250,000 | 1,250,000 |
| Securities available for sale | 26,925,000 | 26,075,000 | 25,526,000 | 25,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,168,000 | 127,171,000 | 125,302,000 | 114,811,000 |
| Interest-bearing deposits | 91,976,000 | 87,481,000 | 87,803,000 | 78,268,000 |
| Noninterest-bearing deposits | 42,192,000 | 39,690,000 | 37,499,000 | 36,543,000 |
| Equity capital | 21,316,000 | 21,636,000 | 21,962,000 | 22,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,618,000 | 3,343,000 | 5,115,000 | 6,828,000 |
| Interest expense | 184,000 | 536,000 | 988,000 | 1,415,000 |
| Net interest income | 1,434,000 | 2,807,000 | 4,127,000 | 5,413,000 |
| Noninterest income | 62,000 | 123,000 | 184,000 | 244,000 |
| Noninterest expense | 778,000 | 1,560,000 | 2,302,000 | 3,067,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 718,000 | 1,370,000 | 2,009,000 | 2,590,000 |
| Income tax | 208,000 | 398,000 | 582,000 | 723,000 |
| Net income | 510,000 | 972,000 | 1,427,000 | 1,867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,267,000 | 17,746,000 | 18,219,000 | 18,508,000 |
| Total capital | 18,517,000 | 18,996,000 | 19,469,000 | 19,758,000 |
| Risk-weighted assets | 121,396,000 | 115,797,000 | 112,671,000 | 110,032,000 |