Call reports 2002
LAKE COUNTRY COMMUNITY BANK — 2002
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 17,758,000 | 19,267,000 | 20,981,000 | 21,219,000 |
| Total loans | 14,722,000 | 16,277,000 | 16,875,000 | 16,710,000 |
| Allowance for loan losses | 183,000 | 192,000 | 199,000 | 166,000 |
| Securities available for sale | 1,446,000 | 1,566,000 | 2,470,000 | 2,372,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,989,000 | 14,122,000 | 14,413,000 | 14,288,000 |
| Interest-bearing deposits | 11,324,000 | 12,509,000 | 12,865,000 | 12,389,000 |
| Noninterest-bearing deposits | 1,665,000 | 1,613,000 | 1,548,000 | 1,899,000 |
| Equity capital | 1,479,000 | 1,540,000 | 1,607,000 | 1,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 361,000 | 741,000 | 1,145,000 | 1,549,000 |
| Interest expense | 141,000 | 282,000 | 435,000 | 586,000 |
| Net interest income | 220,000 | 459,000 | 710,000 | 963,000 |
| Noninterest income | 22,000 | 50,000 | 81,000 | 113,000 |
| Noninterest expense | 167,000 | 350,000 | 531,000 | 744,000 |
| Provision for loan losses | 8,000 | 15,000 | 25,000 | 34,000 |
| Pretax income | 72,000 | 144,000 | 235,000 | 298,000 |
| Income tax | 23,000 | 41,000 | 72,000 | 107,000 |
| Net income | 49,000 | 103,000 | 163,000 | 191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,476,000 | 1,540,000 | 1,607,000 | 1,636,000 |
| Total capital | 1,631,000 | 1,713,000 | 1,786,000 | 1,802,000 |
| Risk-weighted assets | 12,372,000 | 13,837,000 | 14,364,000 | 14,298,000 |