Call reports 2019
LAKE COUNTRY COMMUNITY BANK — 2019
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 26,456,000 | 25,845,000 | 27,221,000 | 28,048,000 |
| Total loans | 13,523,000 | 12,697,000 | 11,889,000 | 11,365,000 |
| Allowance for loan losses | 231,000 | 234,000 | 243,000 | 246,000 |
| Securities available for sale | 3,790,000 | 3,683,000 | 3,733,000 | 10,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,150,000 | 22,505,000 | 23,810,000 | 24,622,000 |
| Interest-bearing deposits | 16,297,000 | 15,841,000 | 15,848,000 | 16,517,000 |
| Noninterest-bearing deposits | 6,853,000 | 6,664,000 | 7,962,000 | 8,105,000 |
| Equity capital | 2,641,000 | 2,687,000 | 2,739,000 | 2,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 261,000 | 498,000 | 750,000 | 988,000 |
| Interest expense | 33,000 | 66,000 | 105,000 | 143,000 |
| Net interest income | 228,000 | 432,000 | 645,000 | 845,000 |
| Noninterest income | 8,000 | 20,000 | 35,000 | 44,000 |
| Noninterest expense | 186,000 | 390,000 | 561,000 | 746,000 |
| Provision for loan losses | -2,000 | -3,000 | -3,000 | -3,000 |
| Pretax income | 52,000 | 65,000 | 122,000 | 146,000 |
| Income tax | 14,000 | 15,000 | 29,000 | 39,000 |
| Net income | 38,000 | 50,000 | 93,000 | 107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,526,000 | 2,517,000 | 2,559,000 | 2,579,000 |
| Total capital | 2,711,000 | 2,706,000 | 2,753,000 | 2,749,000 |
| Risk-weighted assets | 14,675,000 | 15,055,000 | 15,459,000 | 13,508,000 |