Call reports 2005
LAKE CENTRAL BANK — 2005
What LAKE CENTRAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 117,093,000 | 113,342,000 | 118,568,000 | 115,552,000 |
| Total loans | 81,967,000 | 84,794,000 | 84,753,000 | 83,799,000 |
| Allowance for loan losses | 1,029,000 | 1,106,000 | 1,180,000 | 1,239,000 |
| Securities available for sale | 10,997,000 | 11,565,000 | 10,289,000 | 10,007,000 |
| Securities held to maturity | 12,494,000 | 12,262,000 | 13,522,000 | 13,086,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,498,000 | 96,497,000 | 102,424,000 | 99,860,000 |
| Interest-bearing deposits | 82,988,000 | 82,241,000 | 85,105,000 | 82,671,000 |
| Noninterest-bearing deposits | 19,510,000 | 14,256,000 | 17,319,000 | 17,189,000 |
| Equity capital | 11,488,000 | 11,988,000 | 12,291,000 | 11,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,507,000 | 3,129,000 | 4,811,000 | 6,442,000 |
| Interest expense | 340,000 | 703,000 | 1,090,000 | 1,526,000 |
| Net interest income | 1,167,000 | 2,426,000 | 3,721,000 | 4,916,000 |
| Noninterest income | 145,000 | 286,000 | 437,000 | 599,000 |
| Noninterest expense | 758,000 | 1,526,000 | 2,299,000 | 3,047,000 |
| Provision for loan losses | 15,000 | 30,000 | 85,000 | 140,000 |
| Pretax income | 539,000 | 1,156,000 | 1,774,000 | 2,328,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 539,000 | 1,156,000 | 1,774,000 | 2,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,587,000 | 12,004,000 | 12,372,000 | 12,115,000 |
| Total capital | 12,554,000 | 13,007,000 | 13,387,000 | 13,146,000 |
| Risk-weighted assets | 77,295,000 | 80,165,000 | 81,063,000 | 82,450,000 |