Call reports 2004
LAKE COMMUNITY BANK — 2004
What LAKE COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 138,052,000 | 137,423,000 | 139,320,000 | 147,524,000 |
| Total loans | 111,172,000 | 110,453,000 | 111,241,000 | 118,765,000 |
| Allowance for loan losses | 1,209,000 | 1,351,000 | 1,403,000 | 1,459,000 |
| Securities available for sale | 16,559,000 | 17,770,000 | 21,093,000 | 18,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,572,000 | 119,391,000 | 124,362,000 | 131,935,000 |
| Interest-bearing deposits | 91,101,000 | 98,346,000 | 100,056,000 | 108,629,000 |
| Noninterest-bearing deposits | 21,471,000 | 21,045,000 | 24,306,000 | 23,306,000 |
| Equity capital | 11,943,000 | 12,026,000 | 12,764,000 | 13,057,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,109,000 | 4,295,000 | 6,519,000 | 8,978,000 |
| Interest expense | 412,000 | 822,000 | 1,240,000 | 1,767,000 |
| Net interest income | 1,697,000 | 3,473,000 | 5,279,000 | 7,211,000 |
| Noninterest income | 262,000 | 551,000 | 787,000 | 1,072,000 |
| Noninterest expense | 1,229,000 | 2,412,000 | 3,672,000 | 5,161,000 |
| Provision for loan losses | 107,000 | 247,000 | 268,000 | 422,000 |
| Pretax income | 643,000 | 1,386,000 | 2,148,000 | 2,728,000 |
| Income tax | 288,000 | 594,000 | 926,000 | 1,135,000 |
| Net income | 355,000 | 792,000 | 1,222,000 | 1,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,922,000 | 12,359,000 | 12,789,000 | 13,157,000 |
| Total capital | 13,131,000 | 13,710,000 | 14,192,000 | 14,616,000 |
| Risk-weighted assets | 114,910,000 | 113,788,000 | 115,714,000 | 127,003,000 |
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