Call reports 2012
LAKE COMMUNITY BANK — 2012
What LAKE COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 129,493,000 | 128,233,000 | 132,559,000 | 131,105,000 |
| Total loans | 79,450,000 | 81,589,000 | 82,398,000 | 80,695,000 |
| Allowance for loan losses | 2,564,000 | 2,474,000 | 2,511,000 | 2,243,000 |
| Securities available for sale | 27,400,000 | 25,884,000 | 21,879,000 | 27,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,134,000 | 99,972,000 | 104,150,000 | 102,884,000 |
| Interest-bearing deposits | 81,050,000 | 79,468,000 | 65,364,000 | 65,917,000 |
| Noninterest-bearing deposits | 20,084,000 | 20,504,000 | 38,786,000 | 36,967,000 |
| Equity capital | 13,065,000 | 12,981,000 | 13,186,000 | 13,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,360,000 | 2,678,000 | 3,944,000 | 5,174,000 |
| Interest expense | 290,000 | 527,000 | 760,000 | 991,000 |
| Net interest income | 1,070,000 | 2,151,000 | 3,184,000 | 4,183,000 |
| Noninterest income | 150,000 | 406,000 | 596,000 | 1,115,000 |
| Noninterest expense | 1,079,000 | 2,391,000 | 3,531,000 | 4,761,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 145,000 | 149,000 | 363,000 | 650,000 |
| Income tax | 0 | -17,000 | -17,000 | 289,000 |
| Net income | 145,000 | 166,000 | 380,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,055,000 | 12,000,000 | 12,353,000 | 12,601,000 |
| Total capital | 13,206,000 | 13,145,000 | 13,536,000 | 13,740,000 |
| Risk-weighted assets | 90,646,000 | 90,272,000 | 93,174,000 | 90,710,000 |