Call reports 2012
LAKE FEDERAL BANK, FSB — 2012
What LAKE FEDERAL BANK, FSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 73,887,000 | 72,690,000 | 73,741,000 | 73,230,000 |
| Total loans | 52,132,000 | 51,250,000 | 49,191,000 | 48,395,000 |
| Allowance for loan losses | 234,000 | 252,000 | 261,000 | 270,000 |
| Securities available for sale | 4,019,000 | 3,984,000 | 3,930,000 | 1,845,000 |
| Securities held to maturity | 30,000 | 30,000 | 30,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,697,000 | 55,398,000 | 56,259,000 | 55,797,000 |
| Interest-bearing deposits | 55,206,000 | 53,859,000 | 54,385,000 | 53,996,000 |
| Noninterest-bearing deposits | 1,491,000 | 1,539,000 | 1,874,000 | 1,801,000 |
| Equity capital | 13,785,000 | 13,878,000 | 13,926,000 | 13,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 727,000 | 1,426,000 | 2,100,000 | 2,740,000 |
| Interest expense | 123,000 | 239,000 | 344,000 | 434,000 |
| Net interest income | 604,000 | 1,187,000 | 1,756,000 | 2,306,000 |
| Noninterest income | 17,000 | 40,000 | 71,000 | 117,000 |
| Noninterest expense | 481,000 | 929,000 | 1,445,000 | 1,922,000 |
| Provision for loan losses | 18,000 | 36,000 | 45,000 | 67,000 |
| Pretax income | 122,000 | 262,000 | 337,000 | 434,000 |
| Income tax | 48,000 | 104,000 | 133,000 | 171,000 |
| Net income | 74,000 | 158,000 | 204,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,740,000 | 13,825,000 | 13,870,000 | 13,929,000 |
| Total capital | 13,974,000 | 14,077,000 | 14,131,000 | 14,199,000 |
| Risk-weighted assets | 35,311,000 | 35,628,000 | 35,112,000 | 34,637,000 |