Call reports 2016
LAKE COUNTRY COMMUNITY BANK — 2016
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 26,993,000 | 27,002,000 | 26,652,000 | 27,068,000 |
| Total loans | 19,519,000 | 19,309,000 | 17,133,000 | 16,804,000 |
| Allowance for loan losses | 294,000 | 281,000 | 287,000 | 289,000 |
| Securities available for sale | 307,000 | 315,000 | 318,000 | 3,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,803,000 | 23,814,000 | 23,377,000 | 23,925,000 |
| Interest-bearing deposits | 18,011,000 | 18,012,000 | 17,436,000 | 17,584,000 |
| Noninterest-bearing deposits | 5,792,000 | 5,802,000 | 5,940,000 | 6,341,000 |
| Equity capital | 2,566,000 | 2,571,000 | 2,561,000 | 2,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 418,000 | 696,000 | 955,000 | 1,088,000 |
| Interest expense | 19,000 | 37,000 | 56,000 | 72,000 |
| Net interest income | 399,000 | 659,000 | 899,000 | 1,016,000 |
| Noninterest income | 18,000 | 34,000 | 35,000 | 89,000 |
| Noninterest expense | 268,000 | 551,000 | 826,000 | 1,075,000 |
| Provision for loan losses | 0 | -30,000 | -30,000 | -30,000 |
| Pretax income | 149,000 | 172,000 | 138,000 | 60,000 |
| Income tax | 38,000 | 59,000 | 39,000 | 23,000 |
| Net income | 111,000 | 113,000 | 99,000 | 37,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,312,000 | 2,315,000 | 2,306,000 | 2,229,000 |
| Total capital | 2,534,000 | 2,571,000 | 2,540,000 | 2,411,000 |
| Risk-weighted assets | 17,469,000 | 20,330,000 | 18,553,000 | 14,333,000 |