Call reports 2019
LAKE SHORE BANK — 2019
What LAKE SHORE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 554,880,000 | 578,440,000 | 596,896,000 | 610,872,000 |
| Total loans | 404,576,000 | 444,050,000 | 467,176,000 | 475,091,000 |
| Allowance for loan losses | 3,515,000 | 3,863,000 | 4,141,000 | 4,267,000 |
| Securities available for sale | 84,805,000 | 78,332,000 | 75,012,000 | 71,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,167,000 | 463,388,000 | 475,039,000 | 488,516,000 |
| Interest-bearing deposits | 387,838,000 | 398,394,000 | 408,493,000 | 423,997,000 |
| Noninterest-bearing deposits | 56,329,000 | 64,994,000 | 66,546,000 | 64,519,000 |
| Equity capital | 77,958,000 | 76,995,000 | 78,479,000 | 79,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,690,000 | 11,662,000 | 18,005,000 | 24,365,000 |
| Interest expense | 1,163,000 | 2,466,000 | 3,872,000 | 5,343,000 |
| Net interest income | 4,527,000 | 9,196,000 | 14,133,000 | 19,022,000 |
| Noninterest income | 540,000 | 1,088,000 | 1,697,000 | 2,328,000 |
| Noninterest expense | 3,940,000 | 7,804,000 | 11,627,000 | 15,612,000 |
| Provision for loan losses | 75,000 | 425,000 | 725,000 | 900,000 |
| Pretax income | 1,101,000 | 2,116,000 | 3,573,000 | 4,934,000 |
| Income tax | 166,000 | 317,000 | 524,000 | 716,000 |
| Net income | 935,000 | 1,799,000 | 3,049,000 | 4,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,202,000 | 75,623,000 | 76,910,000 | 78,136,000 |
| Total capital | 80,713,000 | 79,482,000 | 81,047,000 | 82,399,000 |
| Risk-weighted assets | 400,264,000 | 433,343,000 | 452,110,000 | 457,307,000 |