Call reports 2015
LAKE SHORE BANK — 2015
What LAKE SHORE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 482,446,000 | 482,493,000 | 472,894,000 | 473,798,000 |
| Total loans | 288,567,000 | 298,685,000 | 296,768,000 | 299,091,000 |
| Allowance for loan losses | 1,940,000 | 2,125,000 | 2,097,000 | 1,985,000 |
| Securities available for sale | 134,796,000 | 129,051,000 | 116,689,000 | 113,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,144,000 | 386,688,000 | 375,199,000 | 374,464,000 |
| Interest-bearing deposits | 346,256,000 | 338,872,000 | 327,477,000 | 325,899,000 |
| Noninterest-bearing deposits | 40,888,000 | 47,816,000 | 47,722,000 | 48,565,000 |
| Equity capital | 67,993,000 | 67,721,000 | 69,323,000 | 69,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,416,000 | 8,848,000 | 13,282,000 | 17,655,000 |
| Interest expense | 818,000 | 1,568,000 | 2,264,000 | 2,890,000 |
| Net interest income | 3,598,000 | 7,280,000 | 11,018,000 | 14,765,000 |
| Noninterest income | 579,000 | 1,064,000 | 1,595,000 | 2,137,000 |
| Noninterest expense | 3,308,000 | 6,469,000 | 9,642,000 | 12,842,000 |
| Provision for loan losses | 25,000 | 210,000 | 240,000 | 400,000 |
| Pretax income | 876,000 | 1,740,000 | 3,295,000 | 4,260,000 |
| Income tax | 268,000 | 384,000 | 681,000 | 808,000 |
| Net income | 608,000 | 1,356,000 | 2,614,000 | 3,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,924,000 | 64,665,000 | 65,946,000 | 66,652,000 |
| Total capital | 65,873,000 | 66,798,000 | 68,051,000 | 68,639,000 |
| Risk-weighted assets | 260,261,000 | 272,054,000 | 270,941,000 | 275,351,000 |