Call reports 2006
LAKE COUNTRY COMMUNITY BANK — 2006
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 38,350,000 | 39,116,000 | 41,601,000 | 41,676,000 |
| Total loans | 32,598,000 | 34,057,000 | 36,174,000 | 35,514,000 |
| Allowance for loan losses | 398,000 | 393,000 | 381,000 | 384,000 |
| Securities available for sale | 1,776,000 | 1,765,000 | 1,779,000 | 1,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,131,000 | 28,357,000 | 29,510,000 | 31,711,000 |
| Interest-bearing deposits | 24,560,000 | 24,480,000 | 25,761,000 | 28,107,000 |
| Noninterest-bearing deposits | 3,571,000 | 3,877,000 | 3,749,000 | 3,604,000 |
| Equity capital | 2,781,000 | 2,801,000 | 2,888,000 | 2,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 663,000 | 1,317,000 | 2,069,000 | 2,830,000 |
| Interest expense | 287,000 | 579,000 | 925,000 | 1,300,000 |
| Net interest income | 376,000 | 738,000 | 1,144,000 | 1,530,000 |
| Noninterest income | 61,000 | 114,000 | 177,000 | 228,000 |
| Noninterest expense | 343,000 | 707,000 | 1,015,000 | 1,319,000 |
| Provision for loan losses | 17,000 | 32,000 | 59,000 | 93,000 |
| Pretax income | 77,000 | 113,000 | 247,000 | 346,000 |
| Income tax | 27,000 | 38,000 | 92,000 | 132,000 |
| Net income | 50,000 | 75,000 | 155,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,787,000 | 2,801,000 | 2,892,000 | 2,949,000 |
| Total capital | 3,141,000 | 3,174,000 | 3,273,000 | 3,329,000 |
| Risk-weighted assets | 28,292,000 | 29,784,000 | 31,319,000 | 30,411,000 |