Call reports 2011
LAKE CENTRAL BANK — 2011
What LAKE CENTRAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 122,499,000 | 124,483,000 | 126,031,000 | 123,554,000 |
| Total loans | 70,554,000 | 71,116,000 | 69,324,000 | 68,195,000 |
| Allowance for loan losses | 931,000 | 1,157,000 | 1,105,000 | 1,003,000 |
| Securities available for sale | 3,593,000 | 2,625,000 | 6,641,000 | 6,095,000 |
| Securities held to maturity | 30,172,000 | 31,555,000 | 29,463,000 | 29,904,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,454,000 | 104,144,000 | 107,181,000 | 104,901,000 |
| Interest-bearing deposits | 85,856,000 | 86,789,000 | 88,232,000 | 86,572,000 |
| Noninterest-bearing deposits | 16,598,000 | 17,355,000 | 18,949,000 | 18,329,000 |
| Equity capital | 15,956,000 | 16,273,000 | 14,995,000 | 15,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,276,000 | 2,577,000 | 3,843,000 | 5,077,000 |
| Interest expense | 250,000 | 491,000 | 723,000 | 936,000 |
| Net interest income | 1,026,000 | 2,086,000 | 3,120,000 | 4,141,000 |
| Noninterest income | 152,000 | 447,000 | 624,000 | 811,000 |
| Noninterest expense | 910,000 | 1,729,000 | 2,622,000 | 3,466,000 |
| Provision for loan losses | 90,000 | 320,000 | 410,000 | 680,000 |
| Pretax income | 178,000 | 484,000 | 712,000 | 806,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 178,000 | 484,000 | 712,000 | 806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,841,000 | 16,080,000 | 14,763,000 | 14,866,000 |
| Total capital | 16,772,000 | 17,237,000 | 15,868,000 | 15,869,000 |
| Risk-weighted assets | 104,704,000 | 109,269,000 | 112,785,000 | 114,260,000 |