Call reports 2014
LAKE FEDERAL BANK, FSB — 2014
What LAKE FEDERAL BANK, FSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 67,807,000 | 67,746,000 | 66,572,000 | 65,856,000 |
| Total loans | 47,124,000 | 46,635,000 | 45,460,000 | 45,746,000 |
| Allowance for loan losses | 275,000 | 271,000 | 275,000 | 267,000 |
| Securities available for sale | 2,526,000 | 2,500,000 | 2,456,000 | 2,428,000 |
| Securities held to maturity | 28,000 | 28,000 | 28,000 | 27,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,198,000 | 50,072,000 | 48,866,000 | 48,153,000 |
| Interest-bearing deposits | 48,500,000 | 48,224,000 | 46,788,000 | 46,004,000 |
| Noninterest-bearing deposits | 1,698,000 | 1,848,000 | 2,078,000 | 2,149,000 |
| Equity capital | 14,192,000 | 14,259,000 | 14,299,000 | 14,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 571,000 | 1,134,000 | 1,679,000 | 2,215,000 |
| Interest expense | 39,000 | 80,000 | 121,000 | 161,000 |
| Net interest income | 532,000 | 1,054,000 | 1,558,000 | 2,054,000 |
| Noninterest income | 20,000 | 51,000 | 74,000 | 97,000 |
| Noninterest expense | 496,000 | 939,000 | 1,394,000 | 1,887,000 |
| Provision for loan losses | 5,000 | 19,000 | 24,000 | 40,000 |
| Pretax income | 51,000 | 147,000 | 214,000 | 224,000 |
| Income tax | 16,000 | 51,000 | 74,000 | 74,000 |
| Net income | 35,000 | 96,000 | 140,000 | 150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,197,000 | 14,258,000 | 14,295,000 | 14,310,000 |
| Total capital | 14,472,000 | 14,529,000 | 14,570,000 | 14,577,000 |
| Risk-weighted assets | 33,683,000 | 33,473,000 | 32,545,000 | 33,166,000 |