Call reports 2025
LAKE COUNTRY COMMUNITY BANK — 2025
What LAKE COUNTRY COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 33,668,000 | 32,985,000 | 33,965,000 | 32,647,000 |
| Total loans | 14,171,000 | 14,801,000 | 13,975,000 | 13,978,000 |
| Allowance for loan losses | 181,000 | 189,000 | 190,000 | 177,000 |
| Securities available for sale | 9,422,000 | 9,097,000 | 9,059,000 | 8,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,439,000 | 29,807,000 | 30,552,000 | 29,350,000 |
| Interest-bearing deposits | 20,840,000 | 19,858,000 | 19,011,000 | 17,969,000 |
| Noninterest-bearing deposits | 9,598,000 | 9,949,000 | 11,541,000 | 11,381,000 |
| Equity capital | 2,942,000 | 2,933,000 | 3,152,000 | 3,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 372,000 | 754,000 | 1,149,000 | 1,510,000 |
| Interest expense | 93,000 | 186,000 | 275,000 | 353,000 |
| Net interest income | 279,000 | 568,000 | 874,000 | 1,157,000 |
| Noninterest income | 9,000 | 21,000 | 29,000 | 33,000 |
| Noninterest expense | 229,000 | 533,000 | 830,000 | 1,108,000 |
| Provision for loan losses | 46,000 | 54,000 | 54,000 | 92,000 |
| Pretax income | 6,000 | 2,000 | 19,000 | -12,000 |
| Income tax | 2,000 | 1,000 | 3,000 | 8,000 |
| Net income | 4,000 | 1,000 | 16,000 | -20,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,737,000 | 3,735,000 | 3,757,000 | 3,731,000 |
| Total capital | 3,937,000 | 3,936,000 | 3,959,000 | 3,922,000 |
| Risk-weighted assets | 18,406,000 | 18,378,000 | 16,501,000 | 16,584,000 |