Call reports 2022
LAKE CITY BANK — 2022
What LAKE CITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 6,554,339,000 | 6,249,291,000 | 6,272,725,000 | 6,412,535,000 |
| Total loans | 4,355,949,000 | 4,427,345,000 | 4,490,932,000 | 4,710,753,000 |
| Allowance for loan losses | 67,526,000 | 67,523,000 | 67,239,000 | 72,606,000 |
| Securities available for sale | 1,520,289,000 | 1,298,346,000 | 1,190,218,000 | 1,182,494,000 |
| Securities held to maturity | 0 | 127,411,000 | 127,820,000 | 128,242,000 |
| Trading assets | 19,485,000 | 26,370,000 | 38,909,000 | 36,920,000 |
| Total deposits | 5,821,013,000 | 5,623,509,000 | 5,665,392,000 | 5,461,007,000 |
| Interest-bearing deposits | 3,940,205,000 | 3,823,970,000 | 3,831,804,000 | 3,723,859,000 |
| Noninterest-bearing deposits | 1,880,808,000 | 1,799,539,000 | 1,833,588,000 | 1,737,148,000 |
| Equity capital | 589,370,000 | 542,074,000 | 499,305,000 | 549,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 48,152,000 | 101,871,000 | 164,517,000 | 239,956,000 |
| Interest expense | 3,154,000 | 8,098,000 | 18,164,000 | 36,679,000 |
| Net interest income | 44,998,000 | 93,773,000 | 146,353,000 | 203,277,000 |
| Noninterest income | 10,632,000 | 21,265,000 | 31,498,000 | 42,054,000 |
| Noninterest expense | 24,885,000 | 50,870,000 | 77,005,000 | 103,633,000 |
| Provision for loan losses | 417,000 | 417,000 | 417,000 | 9,375,000 |
| Pretax income | 30,320,000 | 63,700,000 | 100,317,000 | 132,255,000 |
| Income tax | 5,656,000 | 11,881,000 | 18,699,000 | 24,110,000 |
| Net income | 24,664,000 | 51,806,000 | 81,605,000 | 108,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 678,084,000 | 695,625,000 | 716,043,000 | 732,966,000 |
| Total capital | 740,744,000 | 759,555,000 | 781,105,000 | 801,044,000 |
| Risk-weighted assets | 5,000,695,000 | 5,103,523,000 | 5,195,597,000 | 5,434,475,000 |