Call reports 2013
LAKE FEDERAL BANK, FSB — 2013
What LAKE FEDERAL BANK, FSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 72,237,000 | 71,529,000 | 69,393,000 | 67,802,000 |
| Total loans | 46,815,000 | 47,180,000 | 48,333,000 | 48,343,000 |
| Allowance for loan losses | 273,000 | 273,000 | 281,000 | 270,000 |
| Securities available for sale | 3,790,000 | 3,646,000 | 2,590,000 | 2,562,000 |
| Securities held to maturity | 29,000 | 29,000 | 29,000 | 28,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,764,000 | 54,089,000 | 51,873,000 | 50,275,000 |
| Interest-bearing deposits | 52,842,000 | 51,926,000 | 49,984,000 | 48,695,000 |
| Noninterest-bearing deposits | 1,922,000 | 2,163,000 | 1,889,000 | 1,580,000 |
| Equity capital | 14,041,000 | 14,050,000 | 14,110,000 | 14,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 644,000 | 1,243,000 | 1,833,000 | 2,404,000 |
| Interest expense | 64,000 | 113,000 | 157,000 | 198,000 |
| Net interest income | 580,000 | 1,130,000 | 1,676,000 | 2,206,000 |
| Noninterest income | 27,000 | 46,000 | 66,000 | 85,000 |
| Noninterest expense | 492,000 | 939,000 | 1,410,000 | 1,869,000 |
| Provision for loan losses | 3,000 | 25,000 | 31,000 | 50,000 |
| Pretax income | 112,000 | 212,000 | 301,000 | 372,000 |
| Income tax | 44,000 | 84,000 | 114,000 | 138,000 |
| Net income | 68,000 | 128,000 | 187,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,997,000 | 14,057,000 | 14,116,000 | 14,163,000 |
| Total capital | 14,270,000 | 14,330,000 | 14,397,000 | 14,433,000 |
| Risk-weighted assets | 33,141,000 | 34,561,000 | 34,576,000 | 34,799,000 |