Call reports 2016
LAKE SHORE BANK — 2016
What LAKE SHORE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 474,688,000 | 480,276,000 | 478,946,000 | 489,062,000 |
| Total loans | 303,750,000 | 317,285,000 | 322,560,000 | 329,251,000 |
| Allowance for loan losses | 2,052,000 | 2,060,000 | 2,120,000 | 2,882,000 |
| Securities available for sale | 97,554,000 | 94,979,000 | 91,024,000 | 86,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,573,000 | 380,042,000 | 378,147,000 | 391,250,000 |
| Interest-bearing deposits | 325,714,000 | 324,546,000 | 322,422,000 | 332,177,000 |
| Noninterest-bearing deposits | 49,859,000 | 55,496,000 | 55,725,000 | 59,073,000 |
| Equity capital | 71,385,000 | 72,329,000 | 72,575,000 | 71,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,379,000 | 8,743,000 | 13,155,000 | 17,579,000 |
| Interest expense | 620,000 | 1,224,000 | 1,822,000 | 2,425,000 |
| Net interest income | 3,759,000 | 7,519,000 | 11,333,000 | 15,154,000 |
| Noninterest income | 514,000 | 1,062,000 | 1,673,000 | 2,224,000 |
| Noninterest expense | 3,305,000 | 6,704,000 | 10,037,000 | 13,499,000 |
| Provision for loan losses | 130,000 | 185,000 | 310,000 | 1,125,000 |
| Pretax income | 2,509,000 | 3,397,000 | 4,402,000 | 4,532,000 |
| Income tax | 525,000 | 719,000 | 933,000 | 878,000 |
| Net income | 1,984,000 | 2,678,000 | 3,469,000 | 3,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,652,000 | 69,242,000 | 69,938,000 | 70,157,000 |
| Total capital | 70,704,000 | 71,307,000 | 72,060,000 | 73,063,000 |
| Risk-weighted assets | 281,478,000 | 293,696,000 | 300,793,000 | 315,606,000 |