Call reports 2016
LAKE CITY BANK — 2016
What LAKE CITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 3,797,425,000 | 3,924,776,000 | 4,185,550,000 | 4,276,959,000 |
| Total loans | 3,115,486,000 | 3,202,006,000 | 3,285,609,000 | 3,476,842,000 |
| Allowance for loan losses | 43,284,000 | 43,247,000 | 42,853,000 | 43,718,000 |
| Securities available for sale | 486,474,000 | 500,820,000 | 503,444,000 | 505,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,251,497,000 | 3,404,308,000 | 3,653,894,000 | 3,581,378,000 |
| Interest-bearing deposits | 2,590,418,000 | 2,676,147,000 | 2,881,863,000 | 2,758,108,000 |
| Noninterest-bearing deposits | 661,079,000 | 728,161,000 | 772,031,000 | 823,270,000 |
| Equity capital | 423,494,000 | 434,616,000 | 441,753,000 | 441,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 33,314,000 | 67,754,000 | 102,890,000 | 139,281,000 |
| Interest expense | 4,342,000 | 9,137,000 | 14,205,000 | 19,298,000 |
| Net interest income | 28,972,000 | 58,617,000 | 88,685,000 | 119,983,000 |
| Noninterest income | 6,869,000 | 14,876,000 | 23,800,000 | 32,418,000 |
| Noninterest expense | 16,643,000 | 34,159,000 | 51,590,000 | 69,036,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,150,000 |
| Pretax income | 19,250,000 | 39,386,000 | 60,947,000 | 82,281,000 |
| Income tax | 6,532,000 | 13,207,000 | 20,438,000 | 27,611,000 |
| Net income | 12,718,000 | 26,166,000 | 40,496,000 | 54,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 411,161,000 | 419,480,000 | 428,791,000 | 438,793,000 |
| Total capital | 453,303,000 | 462,702,000 | 471,738,000 | 482,600,000 |
| Risk-weighted assets | 3,362,697,000 | 3,450,033,000 | 3,555,698,000 | 3,759,801,000 |