Call reports 2022
LAKE SHORE BANK — 2022
What LAKE SHORE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 706,837,000 | 693,902,000 | 695,264,000 | 699,568,000 |
| Total loans | 556,816,000 | 553,967,000 | 568,077,000 | 580,630,000 |
| Allowance for loan losses | 6,500,000 | 6,747,000 | 6,849,000 | 7,065,000 |
| Securities available for sale | 84,542,000 | 77,530,000 | 71,261,000 | 73,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 596,011,000 | 584,784,000 | 587,968,000 | 575,602,000 |
| Interest-bearing deposits | 484,504,000 | 473,151,000 | 471,554,000 | 466,483,000 |
| Noninterest-bearing deposits | 111,507,000 | 111,633,000 | 116,414,000 | 109,119,000 |
| Equity capital | 80,241,000 | 75,580,000 | 73,496,000 | 77,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,956,000 | 12,467,000 | 19,415,000 | 26,932,000 |
| Interest expense | 490,000 | 969,000 | 1,581,000 | 2,549,000 |
| Net interest income | 5,466,000 | 11,498,000 | 17,834,000 | 24,383,000 |
| Noninterest income | 700,000 | 1,337,000 | 2,009,000 | 2,572,000 |
| Noninterest expense | 4,440,000 | 8,918,000 | 13,710,000 | 19,021,000 |
| Provision for loan losses | 400,000 | 500,000 | 500,000 | 725,000 |
| Pretax income | 1,331,000 | 3,418,000 | 5,638,000 | 7,213,000 |
| Income tax | 227,000 | 584,000 | 979,000 | 1,261,000 |
| Net income | 1,104,000 | 2,834,000 | 4,659,000 | 5,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,397,000 | 84,173,000 | 86,044,000 | 87,383,000 |