Call reports 2007
LAKE COUNTRY COMMUNITY BANK — 2007
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 41,236,000 | 43,028,000 | 44,260,000 | 43,605,000 |
| Total loans | 35,893,000 | 37,701,000 | 38,414,000 | 38,097,000 |
| Allowance for loan losses | 396,000 | 486,000 | 511,000 | 473,000 |
| Securities available for sale | 1,979,000 | 1,974,000 | 1,987,000 | 1,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,365,000 | 33,085,000 | 34,667,000 | 33,466,000 |
| Interest-bearing deposits | 28,142,000 | 29,610,000 | 30,555,000 | 29,937,000 |
| Noninterest-bearing deposits | 3,223,000 | 3,475,000 | 4,112,000 | 3,529,000 |
| Equity capital | 3,016,000 | 3,041,000 | 3,117,000 | 3,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 741,000 | 1,518,000 | 2,286,000 | 3,053,000 |
| Interest expense | 364,000 | 743,000 | 1,147,000 | 1,530,000 |
| Net interest income | 377,000 | 775,000 | 1,139,000 | 1,523,000 |
| Noninterest income | 56,000 | 122,000 | 184,000 | 242,000 |
| Noninterest expense | 304,000 | 645,000 | 927,000 | 1,236,000 |
| Provision for loan losses | 29,000 | 114,000 | 141,000 | 169,000 |
| Pretax income | 100,000 | 138,000 | 255,000 | 360,000 |
| Income tax | 36,000 | 46,000 | 94,000 | 136,000 |
| Net income | 64,000 | 92,000 | 161,000 | 224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,015,000 | 3,041,000 | 3,117,000 | 3,185,000 |
| Total capital | 3,395,000 | 3,445,000 | 3,519,000 | 3,598,000 |
| Risk-weighted assets | 30,921,000 | 32,238,000 | 33,296,000 | 32,975,000 |