Call reports 2003
LAKE COMMUNITY BANK — 2003
What LAKE COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 135,033,000 | 138,292,000 | 135,503,000 | 138,760,000 |
| Total loans | 93,501,000 | 100,198,000 | 104,146,000 | 109,958,000 |
| Allowance for loan losses | 1,117,000 | 1,073,000 | 1,196,000 | 1,110,000 |
| Securities available for sale | 26,334,000 | 23,654,000 | 23,424,000 | 21,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,378,000 | 125,512,000 | 122,544,000 | 119,313,000 |
| Interest-bearing deposits | 99,828,000 | 99,160,000 | 98,408,000 | 94,309,000 |
| Noninterest-bearing deposits | 22,550,000 | 26,352,000 | 24,136,000 | 25,004,000 |
| Equity capital | 10,080,000 | 10,807,000 | 10,895,000 | 11,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,010,000 | 4,169,000 | 6,446,000 | 8,638,000 |
| Interest expense | 572,000 | 1,081,000 | 1,523,000 | 1,941,000 |
| Net interest income | 1,438,000 | 3,088,000 | 4,923,000 | 6,697,000 |
| Noninterest income | 275,000 | 636,000 | 993,000 | 1,235,000 |
| Noninterest expense | 1,099,000 | 2,202,000 | 3,358,000 | 4,770,000 |
| Provision for loan losses | 120,000 | 237,000 | 429,000 | 531,000 |
| Pretax income | 680,000 | 1,534,000 | 2,372,000 | 2,878,000 |
| Income tax | 288,000 | 619,000 | 943,000 | 962,000 |
| Net income | 392,000 | 915,000 | 1,429,000 | 1,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,043,000 | 10,566,000 | 11,080,000 | 11,567,000 |
| Total capital | 11,160,000 | 11,639,000 | 12,276,000 | 12,677,000 |
| Risk-weighted assets | 102,617,000 | 108,954,000 | 110,626,000 | 115,309,000 |
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