Call reports 2009
LAKE COUNTY BANK — 2009
What LAKE COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 29,481,000 | 28,748,000 | 28,777,000 | 30,297,000 |
| Total loans | 20,975,000 | 21,596,000 | 18,798,000 | 16,946,000 |
| Allowance for loan losses | 342,000 | 345,000 | 1,304,000 | 1,210,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 503,000 | 502,000 | 481,000 | 461,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,034,000 | 23,593,000 | 24,669,000 | 26,258,000 |
| Interest-bearing deposits | 18,630,000 | 18,530,000 | 18,907,000 | 20,188,000 |
| Noninterest-bearing deposits | 5,404,000 | 5,063,000 | 5,762,000 | 6,070,000 |
| Equity capital | 5,103,000 | 4,786,000 | 3,763,000 | 3,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 914,000 | 1,380,000 | 1,749,000 |
| Interest expense | 129,000 | 254,000 | 380,000 | 506,000 |
| Net interest income | 392,000 | 660,000 | 1,000,000 | 1,243,000 |
| Noninterest income | 117,000 | 132,000 | 199,000 | 262,000 |
| Noninterest expense | 360,000 | 700,000 | 1,039,000 | 1,394,000 |
| Provision for loan losses | 30,000 | 211,000 | 1,268,000 | 1,298,000 |
| Pretax income | 119,000 | -119,000 | -1,108,000 | -1,187,000 |
| Income tax | 92,000 | 71,000 | 105,000 | 11,000 |
| Net income | 27,000 | -190,000 | -1,213,000 | -1,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,103,000 | 4,786,000 | 3,763,000 | 3,778,000 |
| Total capital | 5,399,000 | 5,086,000 | 4,041,000 | 4,047,000 |
| Risk-weighted assets | 23,598,000 | 23,948,000 | 21,197,000 | 20,587,000 |
Machine access — free, no API key
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