Call reports 2012
LAKE CITY FEDERAL BANK — 2012
What LAKE CITY FEDERAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 75,965,000 | 74,836,000 | 74,130,000 | 76,929,000 |
| Total loans | 59,091,000 | 57,857,000 | 55,442,000 | 53,290,000 |
| Allowance for loan losses | 1,290,000 | 1,286,000 | 1,290,000 | 1,241,000 |
| Securities available for sale | 3,998,000 | 3,453,000 | 6,462,000 | 6,211,000 |
| Securities held to maturity | 1,643,000 | 1,888,000 | 1,883,000 | 1,779,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,339,000 | 56,658,000 | 55,855,000 | 58,794,000 |
| Interest-bearing deposits | 51,687,000 | 51,957,000 | 51,028,000 | 51,471,000 |
| Noninterest-bearing deposits | 4,652,000 | 4,701,000 | 4,827,000 | 7,323,000 |
| Equity capital | 7,095,000 | 7,148,000 | 7,190,000 | 7,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 860,000 | 1,715,000 | 2,523,000 | 3,309,000 |
| Interest expense | 284,000 | 567,000 | 802,000 | 1,029,000 |
| Net interest income | 576,000 | 1,148,000 | 1,721,000 | 2,280,000 |
| Noninterest income | 28,000 | 46,000 | 94,000 | 103,000 |
| Noninterest expense | 544,000 | 1,075,000 | 1,650,000 | 2,184,000 |
| Provision for loan losses | 152,000 | 152,000 | 152,000 | 152,000 |
| Pretax income | -92,000 | -33,000 | 13,000 | 47,000 |
| Income tax | -92,000 | -70,000 | -53,000 | -41,000 |
| Net income | 0 | 37,000 | 66,000 | 88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,871,000 | 6,907,000 | 6,937,000 | 6,944,000 |
| Total capital | 7,512,000 | 7,554,000 | 7,519,000 | 7,565,000 |
| Risk-weighted assets | 50,623,000 | 50,896,000 | 49,221,000 | 49,042,000 |