Call reports 2016
LAKE CENTRAL BANK — 2016
What LAKE CENTRAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 134,952,000 | 140,783,000 | 143,194,000 | 143,196,000 |
| Total loans | 68,940,000 | 74,246,000 | 75,439,000 | 73,522,000 |
| Allowance for loan losses | 1,066,000 | 1,068,000 | 1,068,000 | 1,068,000 |
| Securities available for sale | 34,757,000 | 36,288,000 | 34,850,000 | 37,939,000 |
| Securities held to maturity | 16,603,000 | 16,366,000 | 15,927,000 | 14,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,200,000 | 121,518,000 | 124,057,000 | 125,266,000 |
| Interest-bearing deposits | 90,817,000 | 94,937,000 | 94,530,000 | 94,908,000 |
| Noninterest-bearing deposits | 25,383,000 | 26,581,000 | 29,527,000 | 30,358,000 |
| Equity capital | 16,622,000 | 17,124,000 | 17,349,000 | 16,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,141,000 | 2,328,000 | 3,621,000 | 4,926,000 |
| Interest expense | 71,000 | 144,000 | 211,000 | 273,000 |
| Net interest income | 1,070,000 | 2,184,000 | 3,410,000 | 4,653,000 |
| Noninterest income | 236,000 | 475,000 | 673,000 | 864,000 |
| Noninterest expense | 1,035,000 | 2,061,000 | 3,115,000 | 4,115,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 271,000 | 602,000 | 972,000 | 1,406,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 271,000 | 602,000 | 972,000 | 1,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,296,000 | 16,628,000 | 16,903,000 | 16,779,000 |
| Total capital | 17,362,000 | 17,696,000 | 17,971,000 | 17,847,000 |
| Risk-weighted assets | 137,593,000 | 144,538,000 | 152,955,000 | 153,543,000 |