Call reports 2018
LAKE CITY FEDERAL BANK — 2018
What LAKE CITY FEDERAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 70,721,000 | 71,769,000 | 71,629,000 | 71,251,000 |
| Total loans | 54,159,000 | 52,628,000 | 51,914,000 | 51,659,000 |
| Allowance for loan losses | 1,194,000 | 1,167,000 | 1,134,000 | 1,150,000 |
| Securities available for sale | 6,705,000 | 7,295,000 | 7,011,000 | 9,550,000 |
| Securities held to maturity | 179,000 | 179,000 | 178,000 | 177,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,382,000 | 60,358,000 | 60,137,000 | 60,602,000 |
| Interest-bearing deposits | 45,726,000 | 46,434,000 | 45,341,000 | 45,024,000 |
| Noninterest-bearing deposits | 13,656,000 | 13,924,000 | 14,796,000 | 15,578,000 |
| Equity capital | 7,910,000 | 8,023,000 | 8,140,000 | 8,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 654,000 | 1,328,000 | 2,064,000 | 2,748,000 |
| Interest expense | 106,000 | 203,000 | 302,000 | 400,000 |
| Net interest income | 548,000 | 1,125,000 | 1,762,000 | 2,348,000 |
| Noninterest income | 46,000 | 94,000 | 145,000 | 192,000 |
| Noninterest expense | 505,000 | 980,000 | 1,447,000 | 1,937,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 89,000 | 239,000 | 460,000 | 603,000 |
| Income tax | 24,000 | 67,000 | 131,000 | 170,000 |
| Net income | 65,000 | 172,000 | 329,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,104,000 | 8,210,000 | 8,368,000 | 8,473,000 |
| Total capital | 8,658,000 | 8,746,000 | 8,905,000 | 8,999,000 |
| Risk-weighted assets | 43,725,000 | 42,299,000 | 42,364,000 | 41,443,000 |