Call reports 2019
LAKE CENTRAL BANK — 2019
What LAKE CENTRAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 149,603,000 | 155,064,000 | 157,880,000 | 158,401,000 |
| Total loans | 77,394,000 | 80,737,000 | 86,543,000 | 85,741,000 |
| Allowance for loan losses | 1,022,000 | 1,022,000 | 1,023,000 | 1,122,000 |
| Securities available for sale | 62,000,000 | 60,613,000 | 59,389,000 | 57,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,332,000 | 132,748,000 | 134,352,000 | 135,578,000 |
| Interest-bearing deposits | 96,815,000 | 102,426,000 | 101,845,000 | 102,675,000 |
| Noninterest-bearing deposits | 32,517,000 | 30,322,000 | 32,507,000 | 32,903,000 |
| Equity capital | 19,332,000 | 21,284,000 | 22,445,000 | 21,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,477,000 | 2,990,000 | 4,618,000 | 6,244,000 |
| Interest expense | 92,000 | 203,000 | 317,000 | 426,000 |
| Net interest income | 1,385,000 | 2,787,000 | 4,301,000 | 5,818,000 |
| Noninterest income | 580,000 | 1,248,000 | 1,861,000 | 2,471,000 |
| Noninterest expense | 1,106,000 | 2,196,000 | 3,312,000 | 4,428,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 859,000 | 1,839,000 | 2,810,000 | 3,759,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 859,000 | 1,839,000 | 2,810,000 | 3,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,500,000 | 20,132,000 | 20,930,000 | 20,364,000 |
| Total capital | 20,522,000 | 21,154,000 | 21,953,000 | 21,486,000 |
| Risk-weighted assets | 112,354,000 | 117,368,000 | 124,705,000 | 121,697,000 |