Call reports 2009
LAKE COMMUNITY BANK — 2009
What LAKE COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 163,841,000 | 157,902,000 | 152,753,000 | 146,268,000 |
| Total loans | 103,849,000 | 97,744,000 | 96,095,000 | 96,700,000 |
| Allowance for loan losses | 2,658,000 | 2,362,000 | 2,265,000 | 3,142,000 |
| Securities available for sale | 29,114,000 | 27,107,000 | 33,883,000 | 29,885,000 |
| Securities held to maturity | 1,000,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,302,000 | 119,239,000 | 119,151,000 | 113,420,000 |
| Interest-bearing deposits | 106,498,000 | 101,981,000 | 103,252,000 | 97,461,000 |
| Noninterest-bearing deposits | 17,804,000 | 17,258,000 | 15,899,000 | 15,959,000 |
| Equity capital | 14,695,000 | 14,222,000 | 14,095,000 | 13,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,012,000 | 4,006,000 | 5,922,000 | 7,779,000 |
| Interest expense | 955,000 | 1,724,000 | 2,454,000 | 3,117,000 |
| Net interest income | 1,057,000 | 2,282,000 | 3,468,000 | 4,662,000 |
| Noninterest income | 244,000 | 468,000 | 679,000 | 875,000 |
| Noninterest expense | 1,492,000 | 3,253,000 | 4,992,000 | 6,613,000 |
| Provision for loan losses | 345,000 | 396,000 | 396,000 | 1,446,000 |
| Pretax income | -398,000 | -693,000 | -1,020,000 | -2,283,000 |
| Income tax | 0 | 0 | 0 | -646,000 |
| Net income | -398,000 | -693,000 | -1,020,000 | -1,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,842,000 | 14,548,000 | 14,221,000 | 13,194,000 |
| Total capital | 16,394,000 | 16,026,000 | 15,658,000 | 14,739,000 |
| Risk-weighted assets | 123,056,000 | 117,346,000 | 114,141,000 | 125,986,000 |
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