Call reports 2014
LAKE CENTRAL BANK — 2014
What LAKE CENTRAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 131,075,000 | 132,843,000 | 131,414,000 | 136,568,000 |
| Total loans | 66,312,000 | 67,671,000 | 66,860,000 | 67,347,000 |
| Allowance for loan losses | 1,063,000 | 1,079,000 | 1,086,000 | 1,104,000 |
| Securities available for sale | 23,275,000 | 22,953,000 | 26,001,000 | 26,143,000 |
| Securities held to maturity | 25,696,000 | 24,817,000 | 24,484,000 | 23,343,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,851,000 | 114,663,000 | 112,924,000 | 118,396,000 |
| Interest-bearing deposits | 89,281,000 | 91,452,000 | 89,036,000 | 92,218,000 |
| Noninterest-bearing deposits | 23,570,000 | 23,211,000 | 23,888,000 | 26,178,000 |
| Equity capital | 15,361,000 | 15,839,000 | 16,038,000 | 15,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,114,000 | 2,256,000 | 3,404,000 | 4,545,000 |
| Interest expense | 111,000 | 212,000 | 315,000 | 410,000 |
| Net interest income | 1,003,000 | 2,044,000 | 3,089,000 | 4,135,000 |
| Noninterest income | 239,000 | 457,000 | 666,000 | 896,000 |
| Noninterest expense | 981,000 | 1,938,000 | 2,892,000 | 3,849,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 246,000 | 533,000 | 811,000 | 1,115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 246,000 | 533,000 | 811,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,517,000 | 15,814,000 | 16,032,000 | 15,711,000 |
| Total capital | 16,580,000 | 16,893,000 | 17,118,000 | 16,815,000 |
| Risk-weighted assets | 105,218,000 | 106,601,000 | 105,918,000 | 107,718,000 |