Call reports 2020
LAKE COUNTRY COMMUNITY BANK — 2020
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 28,095,000 | 30,118,000 | 30,602,000 | 32,346,000 |
| Total loans | 11,546,000 | 11,522,000 | 10,657,000 | 10,924,000 |
| Allowance for loan losses | 246,000 | 188,000 | 197,000 | 179,000 |
| Securities available for sale | 10,524,000 | 10,757,000 | 12,836,000 | 12,082,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,579,000 | 26,474,000 | 27,550,000 | 29,281,000 |
| Interest-bearing deposits | 16,953,000 | 17,497,000 | 17,873,000 | 18,382,000 |
| Noninterest-bearing deposits | 7,626,000 | 8,977,000 | 9,677,000 | 10,898,000 |
| Equity capital | 2,851,000 | 2,977,000 | 3,001,000 | 2,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 229,000 | 499,000 | 702,000 | 911,000 |
| Interest expense | 42,000 | 79,000 | 109,000 | 131,000 |
| Net interest income | 187,000 | 420,000 | 593,000 | 780,000 |
| Noninterest income | 11,000 | 21,000 | 6,000 | 12,000 |
| Noninterest expense | 187,000 | 439,000 | 628,000 | 868,000 |
| Provision for loan losses | 0 | 0 | 0 | -20,000 |
| Pretax income | 11,000 | 34,000 | 39,000 | 44,000 |
| Income tax | 3,000 | 8,000 | 9,000 | 12,000 |
| Net income | 8,000 | 26,000 | 30,000 | 32,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,654,000 | 2,609,000 | 2,740,000 | 2,742,000 |
| Total capital | 2,824,000 | 2,755,000 | 2,879,000 | 2,878,000 |
| Risk-weighted assets | 13,508,000 | 11,609,000 | 11,042,000 | 10,880,000 |