Call reports 2014
LAKE COUNTRY COMMUNITY BANK — 2014
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 29,415,000 | 29,142,000 | 29,692,000 | 29,128,000 |
| Total loans | 15,765,000 | 16,138,000 | 17,440,000 | 16,827,000 |
| Allowance for loan losses | 585,000 | 589,000 | 559,000 | 431,000 |
| Securities available for sale | 277,000 | 282,000 | 282,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,280,000 | 25,976,000 | 26,545,000 | 25,881,000 |
| Interest-bearing deposits | 19,400,000 | 19,649,000 | 19,197,000 | 18,944,000 |
| Noninterest-bearing deposits | 6,880,000 | 6,326,000 | 7,349,000 | 6,938,000 |
| Equity capital | 2,254,000 | 2,283,000 | 2,244,000 | 2,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 228,000 | 459,000 | 706,000 | 1,005,000 |
| Interest expense | 34,000 | 65,000 | 96,000 | 120,000 |
| Net interest income | 194,000 | 394,000 | 610,000 | 885,000 |
| Noninterest income | -14,000 | 63,000 | 74,000 | 103,000 |
| Noninterest expense | 250,000 | 486,000 | 810,000 | 949,000 |
| Provision for loan losses | 0 | 0 | -30,000 | -159,000 |
| Pretax income | -70,000 | -29,000 | -96,000 | 200,000 |
| Income tax | -32,000 | -16,000 | -44,000 | 75,000 |
| Net income | -38,000 | -13,000 | -52,000 | -71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,726,000 | 1,766,000 | 1,696,000 | 2,044,000 |
| Total capital | 1,915,000 | 1,956,000 | 1,894,000 | 2,214,000 |
| Risk-weighted assets | 15,134,000 | 15,650,000 | 16,029,000 | 13,313,000 |