Call reports 2012
LAKE COUNTRY COMMUNITY BANK — 2012
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 28,914,000 | 28,790,000 | 29,801,000 | 30,035,000 |
| Total loans | 18,377,000 | 17,896,000 | 17,968,000 | 17,851,000 |
| Allowance for loan losses | 1,127,000 | 990,000 | 1,011,000 | 948,000 |
| Securities available for sale | 211,000 | 197,000 | 185,000 | 162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,662,000 | 24,704,000 | 25,634,000 | 25,887,000 |
| Interest-bearing deposits | 19,308,000 | 19,379,000 | 19,874,000 | 19,375,000 |
| Noninterest-bearing deposits | 5,354,000 | 5,325,000 | 5,760,000 | 6,512,000 |
| Equity capital | 1,868,000 | 1,960,000 | 2,081,000 | 2,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 316,000 | 619,000 | 921,000 | 1,208,000 |
| Interest expense | 68,000 | 120,000 | 174,000 | 226,000 |
| Net interest income | 248,000 | 499,000 | 747,000 | 982,000 |
| Noninterest income | 42,000 | 85,000 | 173,000 | 214,000 |
| Noninterest expense | 224,000 | 428,000 | 641,000 | 889,000 |
| Provision for loan losses | 161,000 | 191,000 | 211,000 | 221,000 |
| Pretax income | -95,000 | -35,000 | 68,000 | 86,000 |
| Income tax | 12,000 | -19,000 | 23,000 | 29,000 |
| Net income | -107,000 | -16,000 | 45,000 | 57,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,048,000 | 1,126,000 | 1,289,000 | 1,315,000 |
| Total capital | 1,263,000 | 1,338,000 | 1,501,000 | 1,509,000 |
| Risk-weighted assets | 16,267,000 | 16,212,000 | 16,152,000 | 14,760,000 |