Call reports 2002
LAKE CENTRAL BANK — 2002
What LAKE CENTRAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 88,694,000 | 90,688,000 | 95,602,000 | 98,795,000 |
| Total loans | 49,411,000 | 53,255,000 | 56,270,000 | 59,975,000 |
| Allowance for loan losses | 717,000 | 696,000 | 726,000 | 725,000 |
| Securities available for sale | 11,164,000 | 12,679,000 | 12,681,000 | 13,806,000 |
| Securities held to maturity | 16,611,000 | 17,624,000 | 18,115,000 | 17,759,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,850,000 | 80,229,000 | 84,419,000 | 87,702,000 |
| Interest-bearing deposits | 65,988,000 | 67,469,000 | 70,180,000 | 72,939,000 |
| Noninterest-bearing deposits | 12,862,000 | 12,760,000 | 14,239,000 | 14,763,000 |
| Equity capital | 9,409,000 | 9,805,000 | 10,384,000 | 10,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,394,000 | 2,836,000 | 4,307,000 | 5,887,000 |
| Interest expense | 434,000 | 847,000 | 1,261,000 | 1,660,000 |
| Net interest income | 960,000 | 1,989,000 | 3,046,000 | 4,227,000 |
| Noninterest income | 130,000 | 284,000 | 442,000 | 619,000 |
| Noninterest expense | 621,000 | 1,328,000 | 2,010,000 | 2,769,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 457,000 | 921,000 | 1,442,000 | 2,029,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 6,000 |
| Net income | 455,000 | 918,000 | 1,438,000 | 2,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,384,000 | 9,697,000 | 10,067,000 | 9,882,000 |
| Total capital | 10,005,000 | 10,392,000 | 10,791,000 | 10,607,000 |
| Risk-weighted assets | 51,322,000 | 55,918,000 | 57,885,000 | 60,925,000 |