Call reports 2015
LAKE FEDERAL BANK, FSB — 2015
What LAKE FEDERAL BANK, FSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 65,357,000 | 64,968,000 | 64,868,000 | 65,545,000 |
| Total loans | 45,942,000 | 45,887,000 | 47,374,000 | 47,102,000 |
| Allowance for loan losses | 273,000 | 267,000 | 260,000 | 264,000 |
| Securities available for sale | 2,416,000 | 2,381,000 | 2,354,000 | 2,313,000 |
| Securities held to maturity | 27,000 | 27,000 | 27,000 | 26,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,582,000 | 46,880,000 | 46,679,000 | 47,635,000 |
| Interest-bearing deposits | 45,260,000 | 45,046,000 | 44,401,000 | 45,505,000 |
| Noninterest-bearing deposits | 2,322,000 | 1,834,000 | 2,278,000 | 2,130,000 |
| Equity capital | 14,359,000 | 14,406,000 | 14,407,000 | 14,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 538,000 | 1,083,000 | 1,623,000 | 2,165,000 |
| Interest expense | 40,000 | 82,000 | 124,000 | 169,000 |
| Net interest income | 498,000 | 1,001,000 | 1,499,000 | 1,996,000 |
| Noninterest income | 38,000 | 58,000 | 78,000 | 98,000 |
| Noninterest expense | 482,000 | 921,000 | 1,434,000 | 1,874,000 |
| Provision for loan losses | 6,000 | 12,000 | 25,000 | 56,000 |
| Pretax income | 48,000 | 126,000 | 118,000 | 164,000 |
| Income tax | 14,000 | 40,000 | 32,000 | 45,000 |
| Net income | 34,000 | 86,000 | 86,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,346,000 | 14,398,000 | 14,398,000 | 14,431,000 |
| Total capital | 14,616,000 | 14,665,000 | 14,658,000 | 14,695,000 |
| Risk-weighted assets | 34,441,000 | 30,824,000 | 31,391,000 | 34,161,000 |