Call reports 2010
LAKE COMMUNITY BANK — 2010
What LAKE COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 144,981,000 | 144,759,000 | 144,210,000 | 145,068,000 |
| Total loans | 94,883,000 | 93,927,000 | 92,109,000 | 90,677,000 |
| Allowance for loan losses | 2,807,000 | 3,121,000 | 3,256,000 | 2,428,000 |
| Securities available for sale | 26,640,000 | 26,955,000 | 33,338,000 | 33,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,884,000 | 111,626,000 | 111,709,000 | 112,538,000 |
| Interest-bearing deposits | 81,765,000 | 95,413,000 | 94,556,000 | 94,296,000 |
| Noninterest-bearing deposits | 30,119,000 | 16,213,000 | 17,153,000 | 18,242,000 |
| Equity capital | 13,571,000 | 13,815,000 | 13,155,000 | 13,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,776,000 | 3,531,000 | 5,108,000 | 6,609,000 |
| Interest expense | 495,000 | 932,000 | 1,355,000 | 1,756,000 |
| Net interest income | 1,281,000 | 2,599,000 | 3,753,000 | 4,853,000 |
| Noninterest income | 200,000 | 364,000 | 625,000 | 758,000 |
| Noninterest expense | 1,292,000 | 2,569,000 | 3,808,000 | 5,100,000 |
| Provision for loan losses | 0 | 353,000 | 1,061,000 | 1,326,000 |
| Pretax income | 184,000 | 42,000 | -406,000 | -710,000 |
| Income tax | 0 | -84,000 | 29,000 | -283,000 |
| Net income | 184,000 | 126,000 | -435,000 | -427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,378,000 | 13,321,000 | 12,760,000 | 12,956,000 |
| Total capital | 14,771,000 | 14,519,000 | 14,113,000 | 14,266,000 |
| Risk-weighted assets | 111,734,000 | 109,510,000 | 106,315,000 | 103,722,000 |