Call reports 2018
LAKE SHORE BANK — 2018
What LAKE SHORE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 530,012,000 | 543,776,000 | 546,287,000 | 545,692,000 |
| Total loans | 374,546,000 | 385,809,000 | 391,854,000 | 395,930,000 |
| Allowance for loan losses | 3,367,000 | 3,474,000 | 3,388,000 | 3,448,000 |
| Securities available for sale | 78,399,000 | 84,891,000 | 83,116,000 | 86,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 420,639,000 | 437,927,000 | 439,605,000 | 437,408,000 |
| Interest-bearing deposits | 363,247,000 | 377,862,000 | 378,926,000 | 378,884,000 |
| Noninterest-bearing deposits | 57,392,000 | 60,065,000 | 60,679,000 | 58,524,000 |
| Equity capital | 75,082,000 | 73,858,000 | 74,516,000 | 76,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,139,000 | 10,430,000 | 15,942,000 | 21,646,000 |
| Interest expense | 810,000 | 1,706,000 | 2,701,000 | 3,751,000 |
| Net interest income | 4,329,000 | 8,724,000 | 13,241,000 | 17,895,000 |
| Noninterest income | 532,000 | 1,065,000 | 1,636,000 | 2,225,000 |
| Noninterest expense | 3,670,000 | 7,307,000 | 11,047,000 | 15,033,000 |
| Provision for loan losses | 75,000 | 190,000 | 315,000 | 390,000 |
| Pretax income | 1,145,000 | 2,396,000 | 3,648,000 | 4,844,000 |
| Income tax | 169,000 | 353,000 | 512,000 | 657,000 |
| Net income | 976,000 | 2,043,000 | 3,136,000 | 4,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,832,000 | 73,959,000 | 75,111,000 | 76,218,000 |
| Total capital | 78,195,000 | 77,429,000 | 78,495,000 | 79,662,000 |
| Risk-weighted assets | 366,535,000 | 378,226,000 | 386,704,000 | 386,851,000 |