Call reports 2013
LAKE CITY FEDERAL BANK — 2013
What LAKE CITY FEDERAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 73,442,000 | 71,658,000 | 71,748,000 | 71,118,000 |
| Total loans | 51,552,000 | 51,729,000 | 52,067,000 | 52,196,000 |
| Allowance for loan losses | 1,229,000 | 1,270,000 | 1,213,000 | 1,232,000 |
| Securities available for sale | 7,676,000 | 7,180,000 | 9,986,000 | 8,945,000 |
| Securities held to maturity | 1,770,000 | 1,515,000 | 1,874,000 | 1,760,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,196,000 | 54,537,000 | 54,568,000 | 54,463,000 |
| Interest-bearing deposits | 43,818,000 | 42,427,000 | 40,719,000 | 41,171,000 |
| Noninterest-bearing deposits | 12,378,000 | 12,110,000 | 13,849,000 | 13,292,000 |
| Equity capital | 7,178,000 | 7,089,000 | 7,139,000 | 7,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 734,000 | 1,449,000 | 2,218,000 | 2,937,000 |
| Interest expense | 225,000 | 428,000 | 624,000 | 814,000 |
| Net interest income | 509,000 | 1,021,000 | 1,594,000 | 2,123,000 |
| Noninterest income | 55,000 | 115,000 | 167,000 | 227,000 |
| Noninterest expense | 559,000 | 1,090,000 | 1,575,000 | 2,053,000 |
| Provision for loan losses | 21,000 | 63,000 | 63,000 | 63,000 |
| Pretax income | -16,000 | -17,000 | 123,000 | 234,000 |
| Income tax | -8,000 | -9,000 | 45,000 | 88,000 |
| Net income | -8,000 | -8,000 | 78,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,936,000 | 6,936,000 | 7,014,000 | 7,150,000 |
| Total capital | 7,531,000 | 7,533,000 | 7,608,000 | 7,757,000 |
| Risk-weighted assets | 46,938,000 | 47,109,000 | 46,908,000 | 47,904,000 |