Call reports 2017
LAKE SHORE BANK — 2017
What LAKE SHORE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 493,513,000 | 504,920,000 | 512,384,000 | 518,353,000 |
| Total loans | 348,245,000 | 367,251,000 | 365,663,000 | 368,356,000 |
| Allowance for loan losses | 3,198,000 | 3,223,000 | 3,217,000 | 3,283,000 |
| Securities available for sale | 83,630,000 | 75,819,000 | 73,108,000 | 80,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,017,000 | 397,247,000 | 403,631,000 | 409,523,000 |
| Interest-bearing deposits | 339,980,000 | 339,398,000 | 343,261,000 | 351,882,000 |
| Noninterest-bearing deposits | 55,037,000 | 57,849,000 | 60,370,000 | 57,641,000 |
| Equity capital | 72,343,000 | 73,497,000 | 74,432,000 | 74,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,781,000 | 9,582,000 | 14,547,000 | 19,497,000 |
| Interest expense | 625,000 | 1,276,000 | 1,994,000 | 2,768,000 |
| Net interest income | 4,156,000 | 8,306,000 | 12,553,000 | 16,729,000 |
| Noninterest income | 536,000 | 1,080,000 | 1,630,000 | 2,144,000 |
| Noninterest expense | 3,474,000 | 6,861,000 | 10,380,000 | 13,956,000 |
| Provision for loan losses | 350,000 | 375,000 | 450,000 | 510,000 |
| Pretax income | 932,000 | 2,443,000 | 3,693,000 | 4,786,000 |
| Income tax | 182,000 | 508,000 | 787,000 | 1,288,000 |
| Net income | 750,000 | 1,935,000 | 2,906,000 | 3,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,043,000 | 72,264,000 | 73,269,000 | 73,925,000 |
| Total capital | 74,252,000 | 75,495,000 | 76,501,000 | 77,220,000 |
| Risk-weighted assets | 329,671,000 | 348,616,000 | 350,307,000 | 355,034,000 |