Call reports 2010
LAKE COUNTRY COMMUNITY BANK — 2010
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 36,455,000 | 34,536,000 | 34,650,000 | 32,594,000 |
| Total loans | 26,132,000 | 25,806,000 | 24,340,000 | 23,284,000 |
| Allowance for loan losses | 1,046,000 | 1,070,000 | 1,053,000 | 1,070,000 |
| Securities available for sale | 913,000 | 804,000 | 797,000 | 984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,425,000 | 28,771,000 | 29,016,000 | 27,287,000 |
| Interest-bearing deposits | 26,223,000 | 25,069,000 | 24,844,000 | 22,973,000 |
| Noninterest-bearing deposits | 4,202,000 | 3,702,000 | 4,172,000 | 4,314,000 |
| Equity capital | 2,238,000 | 2,214,000 | 2,048,000 | 2,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 483,000 | 936,000 | 1,375,000 | 1,821,000 |
| Interest expense | 183,000 | 346,000 | 499,000 | 636,000 |
| Net interest income | 300,000 | 590,000 | 876,000 | 1,185,000 |
| Noninterest income | 44,000 | 82,000 | 119,000 | 139,000 |
| Noninterest expense | 333,000 | 678,000 | 1,055,000 | 1,391,000 |
| Provision for loan losses | 147,000 | 177,000 | 407,000 | 467,000 |
| Pretax income | -136,000 | -183,000 | -467,000 | -534,000 |
| Income tax | -58,000 | -79,000 | -196,000 | -223,000 |
| Net income | -78,000 | -104,000 | -271,000 | -311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,558,000 | 1,513,000 | 1,230,000 | 1,174,000 |
| Total capital | 1,877,000 | 1,815,000 | 1,515,000 | 1,470,000 |
| Risk-weighted assets | 24,160,000 | 23,359,000 | 24,009,000 | 22,872,000 |