Call reports 2005
LAKE COMMUNITY BANK — 2005
What LAKE COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 149,361,000 | 164,905,000 | 161,543,000 | 166,198,000 |
| Total loans | 118,197,000 | 132,864,000 | 133,064,000 | 136,025,000 |
| Allowance for loan losses | 1,514,000 | 1,499,000 | 1,526,000 | 1,518,000 |
| Securities available for sale | 18,437,000 | 18,670,000 | 17,836,000 | 17,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,025,000 | 139,821,000 | 139,205,000 | 139,317,000 |
| Interest-bearing deposits | 107,225,000 | 115,077,000 | 115,990,000 | 113,330,000 |
| Noninterest-bearing deposits | 23,800,000 | 24,744,000 | 23,215,000 | 25,987,000 |
| Equity capital | 12,409,000 | 13,157,000 | 13,616,000 | 13,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,297,000 | 5,141,000 | 8,055,000 | 11,144,000 |
| Interest expense | 567,000 | 1,281,000 | 2,101,000 | 3,058,000 |
| Net interest income | 1,730,000 | 3,860,000 | 5,954,000 | 8,086,000 |
| Noninterest income | 215,000 | 442,000 | 648,000 | 859,000 |
| Noninterest expense | 1,331,000 | 2,666,000 | 4,033,000 | 5,592,000 |
| Provision for loan losses | 47,000 | 238,000 | 267,000 | 270,000 |
| Pretax income | 569,000 | 1,399,000 | 2,307,000 | 3,084,000 |
| Income tax | 234,000 | 544,000 | 904,000 | 1,150,000 |
| Net income | 335,000 | 855,000 | 1,403,000 | 1,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,736,000 | 13,256,000 | 13,805,000 | 14,335,000 |
| Total capital | 14,250,000 | 14,755,000 | 15,331,000 | 15,853,000 |
| Risk-weighted assets | 127,740,000 | 148,227,000 | 149,487,000 | 153,867,000 |
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