Call reports 2012
LAKE CENTRAL BANK — 2012
What LAKE CENTRAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 123,629,000 | 122,525,000 | 127,207,000 | 131,585,000 |
| Total loans | 67,110,000 | 66,377,000 | 68,311,000 | 69,627,000 |
| Allowance for loan losses | 1,114,000 | 1,042,000 | 1,017,000 | 1,077,000 |
| Securities available for sale | 5,539,000 | 5,017,000 | 2,993,000 | 1,962,000 |
| Securities held to maturity | 30,165,000 | 32,174,000 | 33,551,000 | 34,419,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,887,000 | 103,887,000 | 108,747,000 | 113,060,000 |
| Interest-bearing deposits | 86,861,000 | 85,593,000 | 88,717,000 | 91,763,000 |
| Noninterest-bearing deposits | 18,026,000 | 18,294,000 | 20,030,000 | 21,297,000 |
| Equity capital | 15,126,000 | 15,062,000 | 15,230,000 | 15,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,301,000 | 2,557,000 | 3,769,000 | 4,990,000 |
| Interest expense | 196,000 | 372,000 | 531,000 | 673,000 |
| Net interest income | 1,105,000 | 2,185,000 | 3,238,000 | 4,317,000 |
| Noninterest income | 150,000 | 310,000 | 476,000 | 659,000 |
| Noninterest expense | 876,000 | 1,749,000 | 2,674,000 | 3,617,000 |
| Provision for loan losses | 105,000 | 195,000 | 230,000 | 290,000 |
| Pretax income | 274,000 | 551,000 | 810,000 | 1,069,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 274,000 | 551,000 | 810,000 | 1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,940,000 | 14,887,000 | 15,065,000 | 15,233,000 |
| Total capital | 16,054,000 | 15,929,000 | 16,082,000 | 16,310,000 |
| Risk-weighted assets | 125,628,000 | 132,940,000 | 120,324,000 | 105,473,000 |