Call reports 2007
LAKE CENTRAL BANK — 2007
What LAKE CENTRAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 110,032,000 | 110,541,000 | 110,619,000 | 116,647,000 |
| Total loans | 80,402,000 | 80,315,000 | 79,324,000 | 78,652,000 |
| Allowance for loan losses | 1,251,000 | 1,251,000 | 1,251,000 | 1,253,000 |
| Securities available for sale | 6,152,000 | 5,835,000 | 5,177,000 | 4,548,000 |
| Securities held to maturity | 16,968,000 | 17,235,000 | 18,004,000 | 18,172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,759,000 | 92,528,000 | 92,059,000 | 98,273,000 |
| Interest-bearing deposits | 78,070,000 | 77,501,000 | 76,969,000 | 82,739,000 |
| Noninterest-bearing deposits | 14,689,000 | 15,027,000 | 15,090,000 | 15,534,000 |
| Equity capital | 13,446,000 | 13,791,000 | 14,184,000 | 14,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,910,000 | 3,658,000 | 5,483,000 | 7,210,000 |
| Interest expense | 552,000 | 1,107,000 | 1,678,000 | 2,230,000 |
| Net interest income | 1,358,000 | 2,551,000 | 3,805,000 | 4,980,000 |
| Noninterest income | 171,000 | 310,000 | 462,000 | 663,000 |
| Noninterest expense | 784,000 | 1,545,000 | 2,350,000 | 3,189,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 745,000 | 1,316,000 | 1,917,000 | 2,454,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 745,000 | 1,316,000 | 1,917,000 | 2,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,532,000 | 13,893,000 | 13,958,000 | 13,736,000 |
| Total capital | 14,495,000 | 14,906,000 | 14,980,000 | 14,780,000 |
| Risk-weighted assets | 79,872,000 | 80,767,000 | 81,503,000 | 83,345,000 |