Call reports 2023
LAKE COUNTRY COMMUNITY BANK — 2023
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 34,221,000 | 31,025,000 | 29,460,000 | 31,099,000 |
| Total loans | 9,233,000 | 10,068,000 | 10,109,000 | 10,429,000 |
| Allowance for loan losses | 137,000 | 141,000 | 141,000 | 141,000 |
| Securities available for sale | 14,643,000 | 14,096,000 | 12,396,000 | 11,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,694,000 | 28,537,000 | 27,022,000 | 28,336,000 |
| Interest-bearing deposits | 20,366,000 | 17,502,000 | 16,656,000 | 16,766,000 |
| Noninterest-bearing deposits | 11,329,000 | 11,035,000 | 10,366,000 | 11,571,000 |
| Equity capital | 2,491,000 | 2,457,000 | 2,388,000 | 2,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 298,000 | 587,000 | 857,000 | 1,147,000 |
| Interest expense | 19,000 | 46,000 | 77,000 | 118,000 |
| Net interest income | 279,000 | 541,000 | 780,000 | 1,029,000 |
| Noninterest income | 6,000 | 13,000 | 18,000 | 23,000 |
| Noninterest expense | 202,000 | 394,000 | 613,000 | 842,000 |
| Provision for loan losses | 0 | 4,000 | 4,000 | 4,000 |
| Pretax income | 83,000 | 156,000 | 177,000 | 202,000 |
| Income tax | 24,000 | 47,000 | 52,000 | 56,000 |
| Net income | 59,000 | 109,000 | 125,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,586,000 | 3,669,000 | 3,691,000 | 3,714,000 |
| Total capital | 3,723,000 | 3,810,000 | 3,832,000 | 3,855,000 |
| Risk-weighted assets | 13,003,000 | 13,560,000 | 15,185,000 | 14,941,000 |