Call reports 2018
LAKE CITY BANK — 2018
What LAKE CITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 4,711,756,000 | 4,745,279,000 | 4,741,731,000 | 4,859,101,000 |
| Total loans | 3,847,179,000 | 3,864,810,000 | 3,846,613,000 | 3,917,038,000 |
| Allowance for loan losses | 45,627,000 | 47,706,000 | 48,343,000 | 48,453,000 |
| Securities available for sale | 560,664,000 | 563,228,000 | 570,568,000 | 585,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,103,940,000 | 3,936,290,000 | 4,018,483,000 | 4,045,348,000 |
| Interest-bearing deposits | 3,240,538,000 | 3,095,169,000 | 3,135,562,000 | 3,097,227,000 |
| Noninterest-bearing deposits | 863,402,000 | 841,121,000 | 882,921,000 | 948,121,000 |
| Equity capital | 483,236,000 | 498,522,000 | 509,677,000 | 533,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 46,290,000 | 95,181,000 | 145,683,000 | 199,507,000 |
| Interest expense | 9,477,000 | 20,321,000 | 32,349,000 | 46,056,000 |
| Net interest income | 36,813,000 | 74,860,000 | 113,334,000 | 153,451,000 |
| Noninterest income | 9,604,000 | 19,516,000 | 29,927,000 | 39,983,000 |
| Noninterest expense | 19,977,000 | 39,480,000 | 60,107,000 | 81,606,000 |
| Provision for loan losses | 3,300,000 | 5,000,000 | 6,100,000 | 6,400,000 |
| Pretax income | 23,134,000 | 49,890,000 | 77,048,000 | 105,378,000 |
| Income tax | 4,519,000 | 10,107,000 | 15,343,000 | 21,319,000 |
| Net income | 18,615,000 | 39,770,000 | 61,692,000 | 84,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 486,186,000 | 503,262,000 | 517,983,000 | 534,664,000 |
| Total capital | 531,902,000 | 551,057,000 | 566,415,000 | 583,206,000 |
| Risk-weighted assets | 4,109,207,000 | 4,125,949,000 | 4,131,850,000 | 4,226,225,000 |