Call reports 2009
LAKE CENTRAL BANK — 2009
What LAKE CENTRAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 121,600,000 | 117,359,000 | 119,367,000 | 120,914,000 |
| Total loans | 74,593,000 | 72,566,000 | 72,802,000 | 73,103,000 |
| Allowance for loan losses | 1,024,000 | 947,000 | 1,028,000 | 1,348,000 |
| Securities available for sale | 2,728,000 | 2,341,000 | 1,988,000 | 2,796,000 |
| Securities held to maturity | 22,725,000 | 24,554,000 | 25,228,000 | 24,826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,226,000 | 97,246,000 | 99,147,000 | 100,967,000 |
| Interest-bearing deposits | 86,844,000 | 83,010,000 | 85,531,000 | 84,976,000 |
| Noninterest-bearing deposits | 14,382,000 | 14,236,000 | 13,616,000 | 15,991,000 |
| Equity capital | 15,435,000 | 15,448,000 | 15,736,000 | 15,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,566,000 | 3,101,000 | 4,548,000 | 5,986,000 |
| Interest expense | 401,000 | 772,000 | 1,133,000 | 1,480,000 |
| Net interest income | 1,165,000 | 2,329,000 | 3,415,000 | 4,506,000 |
| Noninterest income | 253,000 | 453,000 | 667,000 | 884,000 |
| Noninterest expense | 903,000 | 1,821,000 | 2,677,000 | 3,559,000 |
| Provision for loan losses | 60,000 | 175,000 | 275,000 | 675,000 |
| Pretax income | 455,000 | 786,000 | 1,130,000 | 1,156,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 455,000 | 786,000 | 1,130,000 | 1,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,142,000 | 15,181,000 | 15,466,000 | 15,434,000 |
| Total capital | 16,166,000 | 16,128,000 | 16,494,000 | 16,706,000 |
| Risk-weighted assets | 93,217,000 | 99,463,000 | 100,962,000 | 101,659,000 |