Call reports 2015
LAKE CENTRAL BANK — 2015
What LAKE CENTRAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 132,661,000 | 137,659,000 | 134,739,000 | 140,382,000 |
| Total loans | 68,109,000 | 67,616,000 | 69,228,000 | 67,251,000 |
| Allowance for loan losses | 1,104,000 | 1,063,000 | 1,065,000 | 1,067,000 |
| Securities available for sale | 29,205,000 | 28,898,000 | 33,516,000 | 34,910,000 |
| Securities held to maturity | 22,674,000 | 20,799,000 | 20,157,000 | 19,371,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,091,000 | 119,149,000 | 116,378,000 | 122,187,000 |
| Interest-bearing deposits | 90,327,000 | 96,417,000 | 91,796,000 | 95,246,000 |
| Noninterest-bearing deposits | 23,764,000 | 22,732,000 | 24,582,000 | 26,941,000 |
| Equity capital | 16,207,000 | 16,120,000 | 16,452,000 | 16,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,140,000 | 2,283,000 | 3,436,000 | 4,584,000 |
| Interest expense | 91,000 | 177,000 | 262,000 | 336,000 |
| Net interest income | 1,049,000 | 2,106,000 | 3,174,000 | 4,248,000 |
| Noninterest income | 259,000 | 496,000 | 738,000 | 997,000 |
| Noninterest expense | 979,000 | 1,960,000 | 2,948,000 | 3,971,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 329,000 | 642,000 | 964,000 | 1,269,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 329,000 | 642,000 | 964,000 | 1,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,950,000 | 16,063,000 | 16,285,000 | 16,025,000 |
| Total capital | 17,054,000 | 17,126,000 | 17,350,000 | 17,092,000 |
| Risk-weighted assets | 107,872,000 | 108,893,000 | 111,179,000 | 128,917,000 |