Call reports 2008
LAKE CENTRAL BANK — 2008
What LAKE CENTRAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 111,586,000 | 115,172,000 | 117,830,000 | 120,079,000 |
| Total loans | 79,059,000 | 78,511,000 | 79,266,000 | 76,433,000 |
| Allowance for loan losses | 1,255,000 | 998,000 | 1,027,000 | 1,039,000 |
| Securities available for sale | 3,817,000 | 4,424,000 | 3,429,000 | 3,137,000 |
| Securities held to maturity | 17,397,000 | 19,114,000 | 20,567,000 | 21,442,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,764,000 | 95,179,000 | 97,709,000 | 100,320,000 |
| Interest-bearing deposits | 77,803,000 | 80,193,000 | 81,701,000 | 85,524,000 |
| Noninterest-bearing deposits | 13,961,000 | 14,986,000 | 16,008,000 | 14,796,000 |
| Equity capital | 14,546,000 | 14,598,000 | 15,045,000 | 14,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,718,000 | 3,370,000 | 5,056,000 | 6,692,000 |
| Interest expense | 511,000 | 992,000 | 1,472,000 | 1,920,000 |
| Net interest income | 1,207,000 | 2,378,000 | 3,584,000 | 4,772,000 |
| Noninterest income | 243,000 | 460,000 | 692,000 | 911,000 |
| Noninterest expense | 908,000 | 1,750,000 | 2,606,000 | 3,412,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 60,000 |
| Pretax income | 542,000 | 1,088,000 | 1,640,000 | 2,211,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 542,000 | 1,088,000 | 1,640,000 | 2,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,219,000 | 14,356,000 | 14,780,000 | 14,676,000 |
| Total capital | 15,276,000 | 15,354,000 | 15,807,000 | 15,715,000 |
| Risk-weighted assets | 84,324,000 | 85,667,000 | 87,280,000 | 87,204,000 |