Call reports 2013
LAKE CENTRAL BANK — 2013
What LAKE CENTRAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 133,191,000 | 133,871,000 | 132,865,000 | 132,504,000 |
| Total loans | 67,546,000 | 69,727,000 | 68,081,000 | 68,303,000 |
| Allowance for loan losses | 1,024,000 | 1,013,000 | 1,033,000 | 1,048,000 |
| Securities available for sale | 6,122,000 | 12,674,000 | 14,628,000 | 16,182,000 |
| Securities held to maturity | 32,102,000 | 30,709,000 | 29,189,000 | 28,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,473,000 | 115,234,000 | 114,572,000 | 114,616,000 |
| Interest-bearing deposits | 91,723,000 | 92,971,000 | 90,451,000 | 89,955,000 |
| Noninterest-bearing deposits | 22,750,000 | 22,263,000 | 24,121,000 | 24,661,000 |
| Equity capital | 15,388,000 | 15,238,000 | 15,301,000 | 15,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,130,000 | 2,303,000 | 3,413,000 | 4,606,000 |
| Interest expense | 135,000 | 262,000 | 385,000 | 503,000 |
| Net interest income | 995,000 | 2,041,000 | 3,028,000 | 4,103,000 |
| Noninterest income | 233,000 | 456,000 | 635,000 | 823,000 |
| Noninterest expense | 999,000 | 1,965,000 | 2,864,000 | 3,825,000 |
| Provision for loan losses | 15,000 | 52,000 | 67,000 | 83,000 |
| Pretax income | 214,000 | 480,000 | 732,000 | 1,018,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 214,000 | 480,000 | 732,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,278,000 | 15,303,000 | 15,466,000 | 15,261,000 |
| Total capital | 16,302,000 | 16,316,000 | 16,499,000 | 16,309,000 |
| Risk-weighted assets | 105,089,000 | 107,824,000 | 105,066,000 | 104,572,000 |