Call reports 2004
LAKE COUNTRY COMMUNITY BANK — 2004
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 24,350,000 | 25,547,000 | 26,783,000 | 30,352,000 |
| Total loans | 19,738,000 | 21,552,000 | 22,966,000 | 25,367,000 |
| Allowance for loan losses | 216,000 | 236,000 | 250,000 | 257,000 |
| Securities available for sale | 1,556,000 | 1,627,000 | 1,522,000 | 1,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,426,000 | 18,618,000 | 19,703,000 | 22,748,000 |
| Interest-bearing deposits | 15,603,000 | 16,560,000 | 17,525,000 | 19,693,000 |
| Noninterest-bearing deposits | 1,823,000 | 2,058,000 | 2,178,000 | 3,055,000 |
| Equity capital | 1,749,000 | 1,787,000 | 1,895,000 | 2,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 394,000 | 810,000 | 1,249,000 | 1,718,000 |
| Interest expense | 139,000 | 283,000 | 435,000 | 603,000 |
| Net interest income | 255,000 | 527,000 | 814,000 | 1,115,000 |
| Noninterest income | 23,000 | 57,000 | 91,000 | 126,000 |
| Noninterest expense | 258,000 | 538,000 | 816,000 | 1,087,000 |
| Provision for loan losses | 21,000 | 39,000 | 57,000 | 77,000 |
| Pretax income | -1,000 | 7,000 | 32,000 | 77,000 |
| Income tax | -1,000 | -1,000 | 5,000 | 15,000 |
| Net income | 0 | 8,000 | 27,000 | 62,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,749,000 | 1,787,000 | 1,895,000 | 2,026,000 |
| Total capital | 1,954,000 | 2,009,000 | 2,131,000 | 2,283,000 |
| Risk-weighted assets | 16,402,000 | 17,760,000 | 18,834,000 | 20,636,000 |