Call reports 2012
LAKE SHORE BANK — 2012
What LAKE SHORE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 491,768,000 | 490,379,000 | 497,517,000 | 481,062,000 |
| Total loans | 271,709,000 | 267,517,000 | 266,574,000 | 274,742,000 |
| Allowance for loan losses | 1,325,000 | 1,324,000 | 1,499,000 | 1,806,000 |
| Securities available for sale | 167,314,000 | 169,978,000 | 168,264,000 | 158,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,516,000 | 388,318,000 | 394,966,000 | 382,597,000 |
| Interest-bearing deposits | 357,465,000 | 354,465,000 | 355,818,000 | 346,824,000 |
| Noninterest-bearing deposits | 33,051,000 | 33,853,000 | 39,148,000 | 35,773,000 |
| Equity capital | 59,022,000 | 60,604,000 | 62,393,000 | 62,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,094,000 | 10,111,000 | 14,930,000 | 19,688,000 |
| Interest expense | 1,298,000 | 2,530,000 | 3,710,000 | 4,751,000 |
| Net interest income | 3,796,000 | 7,581,000 | 11,220,000 | 14,937,000 |
| Noninterest income | 476,000 | 949,000 | 1,482,000 | 1,973,000 |
| Noninterest expense | 2,931,000 | 5,813,000 | 8,614,000 | 11,310,000 |
| Provision for loan losses | -35,000 | 50,000 | 270,000 | 656,000 |
| Pretax income | 1,376,000 | 2,610,000 | 3,761,000 | 4,906,000 |
| Income tax | 335,000 | 621,000 | 875,000 | 1,121,000 |
| Net income | 1,041,000 | 1,989,000 | 2,886,000 | 3,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,497,000 | 55,480,000 | 56,413,000 | 57,343,000 |
| Total capital | 55,817,000 | 56,799,000 | 57,907,000 | 59,144,000 |
| Risk-weighted assets | 241,176,000 | 239,640,000 | 241,368,000 | 248,833,000 |