Call reports 2015
LAKE CITY FEDERAL BANK — 2015
What LAKE CITY FEDERAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 68,219,000 | 68,281,000 | 68,948,000 | 68,028,000 |
| Total loans | 50,467,000 | 50,819,000 | 51,141,000 | 50,488,000 |
| Allowance for loan losses | 1,198,000 | 1,203,000 | 1,208,000 | 1,157,000 |
| Securities available for sale | 8,100,000 | 8,084,000 | 8,250,000 | 8,227,000 |
| Securities held to maturity | 1,318,000 | 1,315,000 | 312,000 | 310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,666,000 | 53,841,000 | 54,518,000 | 54,615,000 |
| Interest-bearing deposits | 40,090,000 | 41,370,000 | 41,250,000 | 40,084,000 |
| Noninterest-bearing deposits | 12,576,000 | 12,471,000 | 13,268,000 | 14,531,000 |
| Equity capital | 7,538,000 | 7,432,000 | 7,532,000 | 7,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 651,000 | 1,315,000 | 1,957,000 | 2,592,000 |
| Interest expense | 139,000 | 272,000 | 404,000 | 530,000 |
| Net interest income | 512,000 | 1,043,000 | 1,553,000 | 2,062,000 |
| Noninterest income | 29,000 | -86,000 | -36,000 | 20,000 |
| Noninterest expense | 536,000 | 1,032,000 | 1,480,000 | 2,011,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,000 | -75,000 | 37,000 | 71,000 |
| Income tax | 1,000 | -29,000 | 13,000 | 26,000 |
| Net income | 4,000 | -46,000 | 24,000 | 45,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,531,000 | 7,481,000 | 7,550,000 | 7,572,000 |
| Total capital | 8,090,000 | 8,044,000 | 8,114,000 | 8,139,000 |
| Risk-weighted assets | 44,128,000 | 44,436,000 | 44,481,000 | 44,789,000 |