Call reports 2002
LAKE COUNTRY STATE BANK — 2002
What LAKE COUNTRY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 58,033,000 | 62,048,000 | 63,590,000 | 65,581,000 |
| Total loans | 37,464,000 | 37,826,000 | 40,709,000 | 42,569,000 |
| Allowance for loan losses | 703,000 | 690,000 | 755,000 | 756,000 |
| Securities available for sale | 13,878,000 | 15,303,000 | 17,305,000 | 16,096,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,926,000 | 52,600,000 | 54,558,000 | 56,484,000 |
| Interest-bearing deposits | 43,449,000 | 44,753,000 | 46,362,000 | 49,367,000 |
| Noninterest-bearing deposits | 6,477,000 | 7,847,000 | 8,196,000 | 7,117,000 |
| Equity capital | 5,819,000 | 6,230,000 | 6,547,000 | 6,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,061,000 | 2,123,000 | 3,221,000 | 4,326,000 |
| Interest expense | 374,000 | 689,000 | 1,002,000 | 1,284,000 |
| Net interest income | 687,000 | 1,434,000 | 2,219,000 | 3,042,000 |
| Noninterest income | 85,000 | 172,000 | 255,000 | 375,000 |
| Noninterest expense | 575,000 | 1,154,000 | 1,760,000 | 2,377,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 191,000 | 457,000 | 744,000 | 1,084,000 |
| Income tax | 43,000 | 128,000 | 206,000 | 395,000 |
| Net income | 148,000 | 329,000 | 538,000 | 689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,818,000 | 5,999,000 | 6,208,000 | 6,367,000 |
| Total capital | 6,339,000 | 6,540,000 | 6,783,000 | 6,937,000 |
| Risk-weighted assets | 41,488,000 | 43,104,000 | 45,801,000 | 45,432,000 |