Call reports 2006
LAKE COMMUNITY BANK — 2006
What LAKE COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 166,559,000 | 172,044,000 | 172,585,000 | 165,776,000 |
| Total loans | 137,426,000 | 139,899,000 | 142,985,000 | 132,991,000 |
| Allowance for loan losses | 1,547,000 | 1,604,000 | 2,051,000 | 1,874,000 |
| Securities available for sale | 17,030,000 | 17,626,000 | 17,924,000 | 18,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,352,000 | 137,053,000 | 142,325,000 | 147,273,000 |
| Interest-bearing deposits | 112,428,000 | 111,799,000 | 120,029,000 | 124,807,000 |
| Noninterest-bearing deposits | 24,924,000 | 25,254,000 | 22,296,000 | 22,466,000 |
| Equity capital | 14,338,000 | 14,597,000 | 14,785,000 | 15,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,145,000 | 6,514,000 | 10,055,000 | 13,484,000 |
| Interest expense | 1,059,000 | 2,241,000 | 3,586,000 | 5,009,000 |
| Net interest income | 2,086,000 | 4,273,000 | 6,469,000 | 8,475,000 |
| Noninterest income | 221,000 | 469,000 | 698,000 | 925,000 |
| Noninterest expense | 1,588,000 | 3,286,000 | 5,005,000 | 6,765,000 |
| Provision for loan losses | 22,000 | 81,000 | 567,000 | 681,000 |
| Pretax income | 709,000 | 1,337,000 | 1,521,000 | 1,889,000 |
| Income tax | 293,000 | 522,000 | 794,000 | 814,000 |
| Net income | 416,000 | 815,000 | 727,000 | 1,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,751,000 | 15,150,000 | 15,062,000 | 15,410,000 |
| Total capital | 16,298,000 | 16,754,000 | 17,046,000 | 17,284,000 |
| Risk-weighted assets | 153,229,000 | 155,535,000 | 158,677,000 | 151,665,000 |
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