Call reports 2013
LAKE COUNTRY COMMUNITY BANK — 2013
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 29,595,000 | 27,898,000 | 30,022,000 | 29,888,000 |
| Total loans | 17,120,000 | 16,759,000 | 16,095,000 | 16,193,000 |
| Allowance for loan losses | 951,000 | 959,000 | 952,000 | 726,000 |
| Securities available for sale | 441,000 | 408,000 | 397,000 | 271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,891,000 | 24,626,000 | 26,679,000 | 26,554,000 |
| Interest-bearing deposits | 19,358,000 | 18,789,000 | 19,892,000 | 19,371,000 |
| Noninterest-bearing deposits | 6,533,000 | 5,836,000 | 6,787,000 | 7,183,000 |
| Equity capital | 2,131,000 | 2,195,000 | 2,229,000 | 2,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 276,000 | 541,000 | 801,000 | 1,059,000 |
| Interest expense | 46,000 | 78,000 | 113,000 | 148,000 |
| Net interest income | 230,000 | 463,000 | 688,000 | 911,000 |
| Noninterest income | 49,000 | 87,000 | 143,000 | 180,000 |
| Noninterest expense | 213,000 | 449,000 | 671,000 | 822,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 61,000 | 96,000 | 155,000 | 264,000 |
| Income tax | 23,000 | 33,000 | 57,000 | 101,000 |
| Net income | 38,000 | 63,000 | 98,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,383,000 | 1,477,000 | 1,535,000 | 1,699,000 |
| Total capital | 1,582,000 | 1,690,000 | 1,750,000 | 1,891,000 |
| Risk-weighted assets | 15,202,000 | 20,785,000 | 16,470,000 | 15,437,000 |