Call reports 2005
LAKE COUNTRY COMMUNITY BANK — 2005
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 30,952,000 | 33,638,000 | 35,382,000 | 37,731,000 |
| Total loans | 27,024,000 | 29,800,000 | 30,843,000 | 32,276,000 |
| Allowance for loan losses | 327,000 | 362,000 | 361,000 | 377,000 |
| Securities available for sale | 1,501,000 | 1,504,000 | 1,401,000 | 1,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,727,000 | 24,045,000 | 25,317,000 | 27,656,000 |
| Interest-bearing deposits | 20,049,000 | 21,593,000 | 22,586,000 | 23,988,000 |
| Noninterest-bearing deposits | 2,678,000 | 2,452,000 | 2,731,000 | 3,668,000 |
| Equity capital | 2,147,000 | 2,288,000 | 2,443,000 | 2,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 517,000 | 1,100,000 | 1,700,000 | 2,345,000 |
| Interest expense | 191,000 | 409,000 | 656,000 | 938,000 |
| Net interest income | 326,000 | 691,000 | 1,044,000 | 1,407,000 |
| Noninterest income | 38,000 | 82,000 | 126,000 | 181,000 |
| Noninterest expense | 280,000 | 591,000 | 878,000 | 1,191,000 |
| Provision for loan losses | 42,000 | 91,000 | 121,000 | 150,000 |
| Pretax income | 42,000 | 91,000 | 171,000 | 247,000 |
| Income tax | 15,000 | 29,000 | 58,000 | 88,000 |
| Net income | 27,000 | 62,000 | 113,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,157,000 | 2,292,000 | 2,443,000 | 2,564,000 |
| Total capital | 2,433,000 | 2,597,000 | 2,764,000 | 2,919,000 |
| Risk-weighted assets | 21,999,000 | 24,380,000 | 25,633,000 | 28,370,000 |