Call reports 2013
LAKE SHORE BANK — 2013
What LAKE SHORE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 487,448,000 | 488,019,000 | 484,604,000 | 481,333,000 |
| Total loans | 273,933,000 | 271,700,000 | 275,620,000 | 279,159,000 |
| Allowance for loan losses | 1,834,000 | 1,823,000 | 1,819,000 | 1,813,000 |
| Securities available for sale | 159,629,000 | 153,497,000 | 161,836,000 | 157,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,161,000 | 396,582,000 | 393,799,000 | 392,219,000 |
| Interest-bearing deposits | 354,291,000 | 359,278,000 | 356,382,000 | 354,363,000 |
| Noninterest-bearing deposits | 32,870,000 | 37,304,000 | 37,417,000 | 37,856,000 |
| Equity capital | 62,994,000 | 61,006,000 | 61,828,000 | 61,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,679,000 | 9,321,000 | 13,958,000 | 18,688,000 |
| Interest expense | 943,000 | 1,877,000 | 2,799,000 | 3,698,000 |
| Net interest income | 3,736,000 | 7,444,000 | 11,159,000 | 14,990,000 |
| Noninterest income | 490,000 | 958,000 | 1,470,000 | 1,945,000 |
| Noninterest expense | 2,981,000 | 6,075,000 | 8,987,000 | 11,937,000 |
| Provision for loan losses | 45,000 | 45,000 | 105,000 | 105,000 |
| Pretax income | 1,200,000 | 2,282,000 | 3,563,000 | 4,923,000 |
| Income tax | 254,000 | 474,000 | 735,000 | 1,075,000 |
| Net income | 946,000 | 1,808,000 | 2,828,000 | 3,848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,318,000 | 59,234,000 | 60,292,000 | 61,326,000 |
| Total capital | 60,147,000 | 61,056,000 | 62,109,000 | 63,153,000 |
| Risk-weighted assets | 249,917,000 | 249,600,000 | 250,748,000 | 251,760,000 |