Call reports 2010
LAKE CENTRAL BANK — 2010
What LAKE CENTRAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 119,905,000 | 118,560,000 | 122,601,000 | 127,299,000 |
| Total loans | 71,748,000 | 72,648,000 | 72,299,000 | 72,019,000 |
| Allowance for loan losses | 1,352,000 | 1,339,000 | 1,334,000 | 1,162,000 |
| Securities available for sale | 2,667,000 | 824,000 | 770,000 | 2,625,000 |
| Securities held to maturity | 24,217,000 | 26,948,000 | 27,967,000 | 27,428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,616,000 | 98,857,000 | 102,556,000 | 107,479,000 |
| Interest-bearing deposits | 83,485,000 | 83,930,000 | 85,987,000 | 89,241,000 |
| Noninterest-bearing deposits | 16,131,000 | 14,927,000 | 16,569,000 | 18,238,000 |
| Equity capital | 15,914,000 | 15,588,000 | 15,841,000 | 15,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,327,000 | 2,684,000 | 4,037,000 | 5,403,000 |
| Interest expense | 316,000 | 613,000 | 902,000 | 1,177,000 |
| Net interest income | 1,011,000 | 2,071,000 | 3,135,000 | 4,226,000 |
| Noninterest income | 216,000 | 349,000 | 461,000 | 550,000 |
| Noninterest expense | 906,000 | 1,770,000 | 2,634,000 | 3,510,000 |
| Provision for loan losses | 75,000 | 150,000 | 210,000 | 510,000 |
| Pretax income | 246,000 | 500,000 | 752,000 | 756,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 246,000 | 500,000 | 752,000 | 756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,691,000 | 15,377,000 | 15,640,000 | 15,654,000 |
| Total capital | 16,941,000 | 16,633,000 | 16,917,000 | 16,816,000 |
| Risk-weighted assets | 99,859,000 | 100,363,000 | 102,085,000 | 104,406,000 |