Call reports 2014
LAKE SHORE BANK — 2014
What LAKE SHORE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 487,128,000 | 490,134,000 | 486,101,000 | 486,806,000 |
| Total loans | 277,272,000 | 278,340,000 | 276,966,000 | 286,776,000 |
| Allowance for loan losses | 1,780,000 | 1,773,000 | 1,803,000 | 1,921,000 |
| Securities available for sale | 155,012,000 | 144,170,000 | 140,718,000 | 138,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,246,000 | 396,631,000 | 391,898,000 | 392,806,000 |
| Interest-bearing deposits | 358,455,000 | 358,337,000 | 350,002,000 | 352,163,000 |
| Noninterest-bearing deposits | 37,791,000 | 38,294,000 | 41,896,000 | 40,643,000 |
| Equity capital | 64,208,000 | 66,033,000 | 66,824,000 | 66,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,559,000 | 9,098,000 | 13,504,000 | 17,941,000 |
| Interest expense | 854,000 | 1,719,000 | 2,606,000 | 3,481,000 |
| Net interest income | 3,705,000 | 7,379,000 | 10,898,000 | 14,460,000 |
| Noninterest income | 462,000 | 921,000 | 1,411,000 | 1,931,000 |
| Noninterest expense | 3,131,000 | 6,250,000 | 9,367,000 | 12,480,000 |
| Provision for loan losses | 0 | 0 | 70,000 | 222,000 |
| Pretax income | 1,021,000 | 2,210,000 | 3,067,000 | 3,923,000 |
| Income tax | 209,000 | 445,000 | 585,000 | 668,000 |
| Net income | 812,000 | 1,765,000 | 2,482,000 | 3,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,176,000 | 63,167,000 | 63,915,000 | 63,310,000 |
| Total capital | 63,980,000 | 64,965,000 | 65,730,000 | 65,238,000 |
| Risk-weighted assets | 249,900,000 | 251,640,000 | 248,430,000 | 253,792,000 |