Call reports 2015
LAKE CITY BANK — 2015
What LAKE CITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 3,467,027,000 | 3,561,330,000 | 3,654,724,000 | 3,756,070,000 |
| Total loans | 2,774,461,000 | 2,896,867,000 | 2,975,412,000 | 3,084,223,000 |
| Allowance for loan losses | 45,677,000 | 44,816,000 | 44,694,000 | 43,610,000 |
| Securities available for sale | 477,894,000 | 471,075,000 | 478,401,000 | 479,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,995,550,000 | 3,021,056,000 | 3,147,864,000 | 3,184,133,000 |
| Interest-bearing deposits | 2,404,466,000 | 2,417,253,000 | 2,516,745,000 | 2,468,329,000 |
| Noninterest-bearing deposits | 591,084,000 | 603,803,000 | 631,119,000 | 715,804,000 |
| Equity capital | 388,976,000 | 393,800,000 | 405,107,000 | 411,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 29,783,000 | 60,151,000 | 91,204,000 | 122,897,000 |
| Interest expense | 3,708,000 | 7,675,000 | 11,665,000 | 15,566,000 |
| Net interest income | 26,075,000 | 52,476,000 | 79,539,000 | 107,331,000 |
| Noninterest income | 7,621,000 | 15,203,000 | 22,956,000 | 30,936,000 |
| Noninterest expense | 16,588,000 | 32,827,000 | 49,266,000 | 65,981,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 17,150,000 | 34,894,000 | 53,271,000 | 72,328,000 |
| Income tax | 5,776,000 | 11,827,000 | 18,155,000 | 24,487,000 |
| Net income | 11,374,000 | 23,054,000 | 35,103,000 | 47,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 378,137,000 | 386,108,000 | 395,102,000 | 404,771,000 |
| Total capital | 416,300,000 | 425,723,000 | 435,726,000 | 446,829,000 |
| Risk-weighted assets | 3,038,008,000 | 3,156,770,000 | 3,238,429,000 | 3,355,846,000 |