Call reports 2011
LAKE COUNTRY COMMUNITY BANK — 2011
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 31,298,000 | 29,953,000 | 30,989,000 | 28,330,000 |
| Total loans | 22,584,000 | 21,720,000 | 21,341,000 | 19,408,000 |
| Allowance for loan losses | 1,083,000 | 1,005,000 | 1,077,000 | 979,000 |
| Securities available for sale | 959,000 | 754,000 | 445,000 | 325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,142,000 | 25,048,000 | 26,080,000 | 23,975,000 |
| Interest-bearing deposits | 21,404,000 | 20,432,000 | 20,594,000 | 19,275,000 |
| Noninterest-bearing deposits | 4,738,000 | 4,616,000 | 5,486,000 | 4,700,000 |
| Equity capital | 2,040,000 | 2,050,000 | 2,033,000 | 2,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 387,000 | 762,000 | 1,146,000 | 1,484,000 |
| Interest expense | 116,000 | 219,000 | 317,000 | 391,000 |
| Net interest income | 271,000 | 543,000 | 829,000 | 1,093,000 |
| Noninterest income | 39,000 | 74,000 | 124,000 | 170,000 |
| Noninterest expense | 237,000 | 513,000 | 778,000 | 975,000 |
| Provision for loan losses | 21,000 | 42,000 | 147,000 | 242,000 |
| Pretax income | 52,000 | 62,000 | 28,000 | 46,000 |
| Income tax | 19,000 | 22,000 | 5,000 | 11,000 |
| Net income | 33,000 | 40,000 | 23,000 | 35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,205,000 | 1,217,000 | 1,214,000 | 1,234,000 |
| Total capital | 1,483,000 | 1,469,000 | 1,450,000 | 1,449,000 |
| Risk-weighted assets | 21,850,000 | 21,604,000 | 18,070,000 | 16,440,000 |