Call reports 2004
LAKE CENTRAL BANK — 2004
What LAKE CENTRAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 104,788,000 | 106,374,000 | 113,477,000 | 113,216,000 |
| Total loans | 72,379,000 | 74,867,000 | 78,802,000 | 79,827,000 |
| Allowance for loan losses | 915,000 | 978,000 | 986,000 | 1,006,000 |
| Securities available for sale | 13,259,000 | 13,057,000 | 12,146,000 | 11,200,000 |
| Securities held to maturity | 13,215,000 | 12,897,000 | 13,202,000 | 13,538,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,755,000 | 89,693,000 | 97,515,000 | 98,541,000 |
| Interest-bearing deposits | 77,151,000 | 76,245,000 | 80,831,000 | 83,339,000 |
| Noninterest-bearing deposits | 11,604,000 | 13,448,000 | 16,684,000 | 15,202,000 |
| Equity capital | 11,080,000 | 11,232,000 | 11,579,000 | 11,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,444,000 | 2,921,000 | 4,460,000 | 6,004,000 |
| Interest expense | 345,000 | 684,000 | 1,032,000 | 1,374,000 |
| Net interest income | 1,099,000 | 2,237,000 | 3,428,000 | 4,630,000 |
| Noninterest income | 161,000 | 313,000 | 459,000 | 621,000 |
| Noninterest expense | 751,000 | 1,497,000 | 2,261,000 | 3,057,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 486,000 | 1,008,000 | 1,557,000 | 2,104,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 486,000 | 1,008,000 | 1,557,000 | 2,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,815,000 | 11,127,000 | 11,466,000 | 11,268,000 |
| Total capital | 11,677,000 | 12,018,000 | 12,407,000 | 12,211,000 |
| Risk-weighted assets | 68,889,000 | 70,855,000 | 75,211,000 | 75,363,000 |