Call reports 2012
LAKE CITY BANK — 2012
What LAKE CITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,950,350,000 | 2,970,167,000 | 2,947,897,000 | 3,059,461,000 |
| Total loans | 2,230,001,000 | 2,219,524,000 | 2,210,095,000 | 2,266,972,000 |
| Allowance for loan losses | 52,757,000 | 51,817,000 | 51,912,000 | 51,445,000 |
| Securities available for sale | 476,867,000 | 479,112,000 | 481,938,000 | 467,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,484,339,000 | 2,526,520,000 | 2,476,970,000 | 2,583,042,000 |
| Interest-bearing deposits | 2,137,212,000 | 2,148,557,000 | 2,118,565,000 | 2,173,831,000 |
| Noninterest-bearing deposits | 347,127,000 | 377,963,000 | 358,405,000 | 409,211,000 |
| Equity capital | 305,686,000 | 311,646,000 | 318,603,000 | 320,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 29,894,000 | 59,262,000 | 87,952,000 | 114,746,000 |
| Interest expense | 6,994,000 | 13,821,000 | 20,043,000 | 25,592,000 |
| Net interest income | 22,900,000 | 45,441,000 | 67,909,000 | 89,154,000 |
| Noninterest income | 6,230,000 | 12,327,000 | 18,923,000 | 26,103,000 |
| Noninterest expense | 14,056,000 | 27,885,000 | 41,562,000 | 55,761,000 |
| Provision for loan losses | 799,000 | 1,299,000 | 1,299,000 | 2,549,000 |
| Pretax income | 13,768,000 | 27,628,000 | 42,568,000 | 55,545,000 |
| Income tax | 4,594,000 | 9,239,000 | 14,320,000 | 18,370,000 |
| Net income | 9,174,000 | 18,376,000 | 28,235,000 | 37,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 294,175,000 | 299,899,000 | 306,729,000 | 309,542,000 |
| Total capital | 324,226,000 | 329,873,000 | 336,319,000 | 340,189,000 |
| Risk-weighted assets | 2,380,647,000 | 2,375,021,000 | 2,343,686,000 | 2,430,007,000 |