Call reports 2009
LAKE COUNTRY COMMUNITY BANK — 2009
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 41,259,000 | 39,555,000 | 40,176,000 | 39,531,000 |
| Total loans | 31,999,000 | 31,041,000 | 29,717,000 | 27,367,000 |
| Allowance for loan losses | 726,000 | 1,404,000 | 1,250,000 | 1,078,000 |
| Securities available for sale | 1,850,000 | 1,542,000 | 1,230,000 | 1,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,158,000 | 30,592,000 | 31,316,000 | 32,158,000 |
| Interest-bearing deposits | 26,722,000 | 26,595,000 | 26,682,000 | 26,666,000 |
| Noninterest-bearing deposits | 4,436,000 | 3,997,000 | 4,634,000 | 5,492,000 |
| Equity capital | 3,081,000 | 2,358,000 | 2,440,000 | 2,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 584,000 | 1,139,000 | 1,656,000 | 2,168,000 |
| Interest expense | 256,000 | 507,000 | 749,000 | 968,000 |
| Net interest income | 328,000 | 632,000 | 907,000 | 1,200,000 |
| Noninterest income | 43,000 | 68,000 | 113,000 | 124,000 |
| Noninterest expense | 354,000 | 808,000 | 1,215,000 | 1,653,000 |
| Provision for loan losses | 99,000 | 825,000 | 978,000 | 1,043,000 |
| Pretax income | -82,000 | -933,000 | -1,173,000 | -1,372,000 |
| Income tax | -24,000 | -154,000 | -480,000 | -564,000 |
| Net income | -58,000 | -779,000 | -693,000 | -808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,952,000 | 2,070,000 | 1,830,000 | 1,715,000 |
| Total capital | 3,335,000 | 2,446,000 | 2,205,000 | 2,046,000 |
| Risk-weighted assets | 30,288,000 | 29,076,000 | 29,130,000 | 25,767,000 |