Call reports 2001
LAKE CENTRAL BANK — 2001
What LAKE CENTRAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 80,233,000 | 83,459,000 | 86,998,000 | 91,242,000 |
| Total loans | 49,887,000 | 50,021,000 | 49,886,000 | 48,271,000 |
| Allowance for loan losses | 721,000 | 729,000 | 725,000 | 704,000 |
| Securities available for sale | 5,697,000 | 5,620,000 | 5,808,000 | 11,692,000 |
| Securities held to maturity | 19,350,000 | 18,558,000 | 18,528,000 | 18,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,484,000 | 73,507,000 | 76,591,000 | 81,479,000 |
| Interest-bearing deposits | 59,662,000 | 62,456,000 | 64,067,000 | 69,018,000 |
| Noninterest-bearing deposits | 10,822,000 | 11,051,000 | 12,524,000 | 12,461,000 |
| Equity capital | 9,094,000 | 9,365,000 | 9,708,000 | 9,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,496,000 | 2,985,000 | 4,491,000 | 5,947,000 |
| Interest expense | 634,000 | 1,226,000 | 1,807,000 | 2,311,000 |
| Net interest income | 862,000 | 1,759,000 | 2,684,000 | 3,636,000 |
| Noninterest income | 129,000 | 260,000 | 385,000 | 528,000 |
| Noninterest expense | 600,000 | 1,217,000 | 1,819,000 | 2,428,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 70,000 |
| Pretax income | 380,000 | 779,000 | 1,215,000 | 1,667,000 |
| Income tax | 123,000 | 247,000 | 392,000 | 540,000 |
| Net income | 257,000 | 532,000 | 823,000 | 1,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,009,000 | 9,284,000 | 9,575,000 | 9,079,000 |
| Total capital | 9,670,000 | 9,933,000 | 10,214,000 | 9,721,000 |
| Risk-weighted assets | 52,795,000 | 51,807,000 | 51,037,000 | 51,292,000 |