Call reports 2019
LAKE CITY BANK — 2019
What LAKE CITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 4,876,483,000 | 4,957,359,000 | 4,936,933,000 | 4,934,311,000 |
| Total loans | 3,942,057,000 | 4,004,547,000 | 4,030,645,000 | 4,070,355,000 |
| Allowance for loan losses | 49,562,000 | 50,564,000 | 50,628,000 | 50,652,000 |
| Securities available for sale | 595,553,000 | 609,826,000 | 613,230,000 | 608,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,150,450,000 | 4,222,080,000 | 4,290,958,000 | 4,135,581,000 |
| Interest-bearing deposits | 3,215,605,000 | 3,274,828,000 | 3,272,054,000 | 3,150,512,000 |
| Noninterest-bearing deposits | 934,845,000 | 947,252,000 | 1,018,904,000 | 985,069,000 |
| Equity capital | 552,921,000 | 575,191,000 | 593,525,000 | 582,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 53,678,000 | 108,454,000 | 163,381,000 | 215,852,000 |
| Interest expense | 14,833,000 | 30,616,000 | 45,415,000 | 58,443,000 |
| Net interest income | 38,845,000 | 77,838,000 | 117,966,000 | 157,409,000 |
| Noninterest income | 11,246,000 | 22,611,000 | 33,202,000 | 44,113,000 |
| Noninterest expense | 21,379,000 | 42,483,000 | 64,196,000 | 85,718,000 |
| Provision for loan losses | 1,200,000 | 1,985,000 | 2,985,000 | 3,235,000 |
| Pretax income | 27,525,000 | 56,091,000 | 84,101,000 | 112,744,000 |
| Income tax | 5,360,000 | 11,235,000 | 16,804,000 | 22,581,000 |
| Net income | 22,165,000 | 44,843,000 | 67,284,000 | 90,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 545,464,000 | 560,721,000 | 575,088,000 | 565,645,000 |
| Total capital | 595,115,000 | 611,374,000 | 625,805,000 | 616,386,000 |
| Risk-weighted assets | 4,270,446,000 | 4,348,137,000 | 4,365,764,000 | 4,390,337,000 |