Call reports 2018
LAKE CENTRAL BANK — 2018
What LAKE CENTRAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 148,156,000 | 148,856,000 | 149,463,000 | 151,667,000 |
| Total loans | 73,592,000 | 77,425,000 | 80,004,000 | 74,995,000 |
| Allowance for loan losses | 969,000 | 970,000 | 971,000 | 1,021,000 |
| Securities available for sale | 60,272,000 | 60,649,000 | 58,772,000 | 62,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,001,000 | 129,971,000 | 130,506,000 | 132,995,000 |
| Interest-bearing deposits | 97,996,000 | 97,804,000 | 96,582,000 | 98,392,000 |
| Noninterest-bearing deposits | 32,005,000 | 32,167,000 | 33,924,000 | 34,603,000 |
| Equity capital | 16,663,000 | 17,354,000 | 17,439,000 | 17,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,352,000 | 2,754,000 | 4,230,000 | 5,722,000 |
| Interest expense | 46,000 | 93,000 | 157,000 | 229,000 |
| Net interest income | 1,306,000 | 2,661,000 | 4,073,000 | 5,493,000 |
| Noninterest income | 459,000 | 964,000 | 1,260,000 | 1,566,000 |
| Noninterest expense | 1,031,000 | 2,005,000 | 3,043,000 | 4,139,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 734,000 | 1,623,000 | 2,253,000 | 2,688,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 734,000 | 1,623,000 | 2,253,000 | 2,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,962,000 | 18,756,000 | 19,292,000 | 18,904,000 |
| Total capital | 18,931,000 | 19,726,000 | 20,263,000 | 19,925,000 |
| Risk-weighted assets | 102,332,000 | 108,882,000 | 114,294,000 | 110,449,000 |