Call reports 2008
LAKE COMMUNITY BANK — 2008
What LAKE COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 161,415,000 | 169,222,000 | 173,260,000 | 175,734,000 |
| Total loans | 119,051,000 | 120,057,000 | 114,082,000 | 106,419,000 |
| Allowance for loan losses | 2,798,000 | 2,653,000 | 2,910,000 | 2,749,000 |
| Securities available for sale | 24,340,000 | 32,199,000 | 28,469,000 | 27,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,274,000 | 143,233,000 | 129,977,000 | 134,440,000 |
| Interest-bearing deposits | 119,397,000 | 122,915,000 | 110,491,000 | 114,324,000 |
| Noninterest-bearing deposits | 21,877,000 | 20,318,000 | 19,486,000 | 20,116,000 |
| Equity capital | 13,689,000 | 12,662,000 | 14,376,000 | 15,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,383,000 | 4,780,000 | 7,156,000 | 9,258,000 |
| Interest expense | 1,248,000 | 2,483,000 | 3,440,000 | 4,436,000 |
| Net interest income | 1,135,000 | 2,297,000 | 3,716,000 | 4,822,000 |
| Noninterest income | 164,000 | 111,000 | 303,000 | 532,000 |
| Noninterest expense | 1,509,000 | 3,011,000 | 4,287,000 | 5,603,000 |
| Provision for loan losses | 109,000 | 244,000 | 1,526,000 | 3,156,000 |
| Pretax income | -258,000 | -786,000 | -1,761,000 | -3,365,000 |
| Income tax | 0 | 0 | -715,000 | -1,452,000 |
| Net income | -258,000 | -786,000 | -1,046,000 | -1,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,655,000 | 13,127,000 | 14,867,000 | 15,240,000 |
| Total capital | 15,396,000 | 14,865,000 | 16,545,000 | 16,839,000 |
| Risk-weighted assets | 138,230,000 | 138,089,000 | 132,979,000 | 126,802,000 |
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