Call reports 2003
LAKE COUNTRY COMMUNITY BANK — 2003
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 20,245,000 | 21,214,000 | 22,785,000 | 23,787,000 |
| Total loans | 16,627,000 | 17,200,000 | 19,248,000 | 19,301,000 |
| Allowance for loan losses | 189,000 | 184,000 | 156,000 | 205,000 |
| Securities available for sale | 1,369,000 | 1,360,000 | 1,252,000 | 1,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,334,000 | 14,254,000 | 15,559,000 | 16,912,000 |
| Interest-bearing deposits | 11,497,000 | 12,723,000 | 13,535,000 | 15,070,000 |
| Noninterest-bearing deposits | 1,837,000 | 1,531,000 | 2,024,000 | 1,842,000 |
| Equity capital | 1,670,000 | 1,697,000 | 1,714,000 | 1,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 384,000 | 769,000 | 1,161,000 | 1,555,000 |
| Interest expense | 137,000 | 278,000 | 415,000 | 560,000 |
| Net interest income | 247,000 | 491,000 | 746,000 | 995,000 |
| Noninterest income | 29,000 | 52,000 | 85,000 | 115,000 |
| Noninterest expense | 210,000 | 436,000 | 689,000 | 969,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 51,000 |
| Pretax income | 57,000 | 89,000 | 115,000 | 90,000 |
| Income tax | 20,000 | 26,000 | 26,000 | 19,000 |
| Net income | 37,000 | 63,000 | 89,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,670,000 | 1,680,000 | 1,704,000 | 1,747,000 |
| Total capital | 1,844,000 | 1,864,000 | 1,860,000 | 1,948,000 |
| Risk-weighted assets | 13,940,000 | 14,719,000 | 16,214,000 | 16,087,000 |