Call reports 2022
LAKE CENTRAL BANK — 2022
What LAKE CENTRAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 210,221,000 | 208,879,000 | 206,163,000 | 206,645,000 |
| Total loans | 82,649,000 | 88,073,000 | 101,087,000 | 102,746,000 |
| Allowance for loan losses | 1,374,000 | 1,374,000 | 1,374,000 | 1,398,000 |
| Securities available for sale | 87,566,000 | 92,199,000 | 90,152,000 | 90,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,951,000 | 192,540,000 | 190,742,000 | 189,009,000 |
| Interest-bearing deposits | 141,321,000 | 144,173,000 | 142,801,000 | 142,905,000 |
| Noninterest-bearing deposits | 48,630,000 | 48,367,000 | 47,941,000 | 46,104,000 |
| Equity capital | 19,148,000 | 15,226,000 | 14,110,000 | 16,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,287,000 | 2,711,000 | 4,402,000 | 6,171,000 |
| Interest expense | 68,000 | 136,000 | 223,000 | 352,000 |
| Net interest income | 1,219,000 | 2,575,000 | 4,179,000 | 5,819,000 |
| Noninterest income | 494,000 | 1,505,000 | 1,928,000 | 2,359,000 |
| Noninterest expense | 1,175,000 | 2,317,000 | 3,516,000 | 4,756,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 538,000 | 1,763,000 | 2,591,000 | 3,397,000 |
| Income tax | 7,000 | 69,000 | 131,000 | 131,000 |
| Net income | 531,000 | 1,694,000 | 2,460,000 | 3,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,750,000 | 22,823,000 | 23,500,000 | 24,308,000 |
| Total capital | 23,124,000 | 24,197,000 | 24,874,000 | 25,706,000 |
| Risk-weighted assets | 124,730,000 | 133,529,000 | 141,019,000 | 140,515,000 |