Call reports 2021
LAKE COUNTRY COMMUNITY BANK — 2021
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 32,592,000 | 32,912,000 | 33,729,000 | 34,678,000 |
| Total loans | 11,333,000 | 11,319,000 | 10,545,000 | 9,845,000 |
| Allowance for loan losses | 182,000 | 203,000 | 211,000 | 136,000 |
| Securities available for sale | 13,843,000 | 15,275,000 | 14,689,000 | 17,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,570,000 | 30,008,000 | 30,809,000 | 31,815,000 |
| Interest-bearing deposits | 18,100,000 | 18,434,000 | 19,660,000 | 20,531,000 |
| Noninterest-bearing deposits | 11,470,000 | 11,574,000 | 11,149,000 | 11,284,000 |
| Equity capital | 2,939,000 | 2,842,000 | 2,892,000 | 2,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 211,000 | 427,000 | 631,000 | 815,000 |
| Interest expense | 15,000 | 32,000 | 46,000 | 61,000 |
| Net interest income | 196,000 | 395,000 | 585,000 | 754,000 |
| Noninterest income | 8,000 | 19,000 | 26,000 | 125,000 |
| Noninterest expense | 202,000 | 415,000 | 614,000 | 879,000 |
| Provision for loan losses | 0 | 0 | 0 | -78,000 |
| Pretax income | 2,000 | -1,000 | -3,000 | 78,000 |
| Income tax | 0 | 0 | 0 | 16,000 |
| Net income | 2,000 | -1,000 | -3,000 | 62,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,744,000 | 2,740,000 | 2,790,000 | 2,818,000 |
| Total capital | 2,888,000 | 2,889,000 | 2,935,000 | 2,954,000 |
| Risk-weighted assets | 11,502,000 | 11,825,000 | 11,533,000 | 11,620,000 |