Call reports 2021
LAKE CENTRAL BANK — 2021
What LAKE CENTRAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 199,899,000 | 203,463,000 | 210,895,000 | 217,958,000 |
| Total loans | 82,482,000 | 84,931,000 | 78,570,000 | 78,369,000 |
| Allowance for loan losses | 1,374,000 | 1,374,000 | 1,374,000 | 1,374,000 |
| Securities available for sale | 82,283,000 | 83,530,000 | 85,572,000 | 86,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,879,000 | 176,948,000 | 183,598,000 | 194,103,000 |
| Interest-bearing deposits | 128,288,000 | 132,693,000 | 131,157,000 | 139,892,000 |
| Noninterest-bearing deposits | 45,591,000 | 44,255,000 | 52,441,000 | 54,211,000 |
| Equity capital | 24,833,000 | 25,244,000 | 25,948,000 | 22,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,773,000 | 3,433,000 | 5,128,000 | 6,189,000 |
| Interest expense | 83,000 | 166,000 | 252,000 | 324,000 |
| Net interest income | 1,690,000 | 3,267,000 | 4,876,000 | 5,865,000 |
| Noninterest income | 437,000 | 822,000 | 1,198,000 | 1,938,000 |
| Noninterest expense | 1,103,000 | 2,218,000 | 3,369,000 | 4,570,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,024,000 | 1,871,000 | 2,705,000 | 3,233,000 |
| Income tax | 0 | 0 | 0 | 302,000 |
| Net income | 1,024,000 | 1,871,000 | 2,705,000 | 2,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,536,000 | 22,913,000 | 23,512,000 | 21,218,000 |
| Total capital | 23,910,000 | 24,287,000 | 24,886,000 | 22,592,000 |
| Risk-weighted assets | 113,993,000 | 123,700,000 | 122,959,000 | 120,573,000 |