Call reports 2006
LAKE CENTRAL BANK — 2006
What LAKE CENTRAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 113,987,000 | 115,739,000 | 117,005,000 | 111,521,000 |
| Total loans | 82,296,000 | 85,563,000 | 84,849,000 | 82,066,000 |
| Allowance for loan losses | 1,259,000 | 1,263,000 | 1,270,000 | 1,241,000 |
| Securities available for sale | 9,444,000 | 9,196,000 | 7,491,000 | 6,604,000 |
| Securities held to maturity | 14,049,000 | 14,916,000 | 14,308,000 | 15,976,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,123,000 | 97,765,000 | 100,033,000 | 94,711,000 |
| Interest-bearing deposits | 82,870,000 | 80,966,000 | 82,398,000 | 77,556,000 |
| Noninterest-bearing deposits | 15,253,000 | 16,799,000 | 17,635,000 | 17,155,000 |
| Equity capital | 12,195,000 | 12,493,000 | 12,972,000 | 12,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,622,000 | 3,329,000 | 5,116,000 | 6,883,000 |
| Interest expense | 461,000 | 975,000 | 1,525,000 | 2,102,000 |
| Net interest income | 1,161,000 | 2,354,000 | 3,591,000 | 4,781,000 |
| Noninterest income | 149,000 | 294,000 | 432,000 | 586,000 |
| Noninterest expense | 808,000 | 1,576,000 | 2,342,000 | 3,092,000 |
| Provision for loan losses | 8,000 | 15,000 | 20,000 | 20,000 |
| Pretax income | 494,000 | 1,057,000 | 1,661,000 | 2,255,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 494,000 | 1,057,000 | 1,661,000 | 2,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,384,000 | 12,723,000 | 13,101,000 | 13,030,000 |
| Total capital | 13,366,000 | 13,740,000 | 14,131,000 | 14,034,000 |
| Risk-weighted assets | 78,776,000 | 81,107,000 | 82,183,000 | 80,089,000 |