Call reports 2015
LAKE COUNTRY COMMUNITY BANK — 2015
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 29,688,000 | 28,776,000 | 26,942,000 | 29,806,000 |
| Total loans | 16,673,000 | 18,298,000 | 18,933,000 | 18,819,000 |
| Allowance for loan losses | 433,000 | 408,000 | 381,000 | 343,000 |
| Securities available for sale | 280,000 | 280,000 | 280,000 | 309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,451,000 | 25,560,000 | 23,730,000 | 26,724,000 |
| Interest-bearing deposits | 19,805,000 | 19,602,000 | 16,895,000 | 19,038,000 |
| Noninterest-bearing deposits | 6,647,000 | 5,958,000 | 6,835,000 | 7,686,000 |
| Equity capital | 2,384,000 | 2,386,000 | 2,386,000 | 2,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 244,000 | 496,000 | 767,000 | 1,031,000 |
| Interest expense | 22,000 | 45,000 | 64,000 | 87,000 |
| Net interest income | 222,000 | 451,000 | 703,000 | 944,000 |
| Noninterest income | 32,000 | 49,000 | 1,000 | 19,000 |
| Noninterest expense | 242,000 | 487,000 | 733,000 | 962,000 |
| Provision for loan losses | 0 | 0 | -40,000 | -80,000 |
| Pretax income | 12,000 | 13,000 | 12,000 | 83,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 24,000 |
| Net income | 8,000 | 9,000 | 8,000 | 59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,170,000 | 2,171,000 | 2,171,000 | 2,209,000 |
| Total capital | 2,342,000 | 2,356,000 | 2,363,000 | 2,417,000 |
| Risk-weighted assets | 13,372,000 | 14,587,000 | 15,292,000 | 16,262,000 |