Call reports 2025
LAKE CENTRAL BANK — 2025
What LAKE CENTRAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 270,362,000 | 279,651,000 | 287,518,000 | 287,083,000 |
| Total loans | 162,405,000 | 171,545,000 | 179,390,000 | 190,470,000 |
| Allowance for loan losses | 2,182,000 | 2,156,000 | 2,177,000 | 2,214,000 |
| Securities available for sale | 92,852,000 | 90,838,000 | 91,126,000 | 80,845,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,063,000 | 237,752,000 | 242,177,000 | 246,301,000 |
| Interest-bearing deposits | 191,602,000 | 196,834,000 | 199,040,000 | 201,471,000 |
| Noninterest-bearing deposits | 50,461,000 | 40,918,000 | 43,137,000 | 44,830,000 |
| Equity capital | 25,835,000 | 26,159,000 | 28,756,000 | 30,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,352,000 | 6,767,000 | 10,329,000 | 13,954,000 |
| Interest expense | 728,000 | 1,486,000 | 2,306,000 | 2,995,000 |
| Net interest income | 2,624,000 | 5,281,000 | 8,023,000 | 10,959,000 |
| Noninterest income | 489,000 | 1,055,000 | 1,587,000 | 2,110,000 |
| Noninterest expense | 1,788,000 | 3,635,000 | 5,263,000 | 6,921,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,291,000 | 2,641,000 | 4,246,000 | 5,861,000 |
| Income tax | 216,000 | 304,000 | 407,000 | 502,000 |
| Net income | 1,075,000 | 2,337,000 | 3,839,000 | 5,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,856,000 | 30,686,000 | 31,047,000 | 32,370,000 |
| Total capital | 32,048,000 | 32,852,000 | 33,234,000 | 34,594,000 |
| Risk-weighted assets | 211,373,000 | 220,388,000 | 222,492,000 | 227,087,000 |
Machine access — free, no API key
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