Call reports 2011
LAKE COMMUNITY BANK — 2011
What LAKE COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 146,008,000 | 141,124,000 | 140,748,000 | 143,369,000 |
| Total loans | 89,354,000 | 89,250,000 | 86,811,000 | 80,765,000 |
| Allowance for loan losses | 3,091,000 | 2,802,000 | 2,741,000 | 2,730,000 |
| Securities available for sale | 32,642,000 | 29,554,000 | 30,275,000 | 37,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,855,000 | 107,849,000 | 108,831,000 | 110,612,000 |
| Interest-bearing deposits | 94,448,000 | 75,512,000 | 73,720,000 | 35,180,000 |
| Noninterest-bearing deposits | 18,407,000 | 32,337,000 | 35,111,000 | 75,432,000 |
| Equity capital | 12,725,000 | 13,072,000 | 12,112,000 | 12,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,608,000 | 3,151,000 | 4,638,000 | 6,145,000 |
| Interest expense | 364,000 | 706,000 | 1,028,000 | 1,347,000 |
| Net interest income | 1,244,000 | 2,445,000 | 3,610,000 | 4,798,000 |
| Noninterest income | 132,000 | 296,000 | 535,000 | 706,000 |
| Noninterest expense | 1,260,000 | 2,506,000 | 3,734,000 | 5,001,000 |
| Provision for loan losses | 708,000 | 735,000 | 1,819,000 | 1,819,000 |
| Pretax income | -577,000 | -491,000 | -1,406,000 | -1,314,000 |
| Income tax | 0 | 1,000 | 1,000 | -584,000 |
| Net income | -577,000 | -492,000 | -1,407,000 | -730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,379,000 | 12,371,000 | 11,457,000 | 11,910,000 |
| Total capital | 13,725,000 | 13,667,000 | 12,703,000 | 13,099,000 |
| Risk-weighted assets | 105,968,000 | 102,186,000 | 98,113,000 | 93,347,000 |