Call reports 2003
LAKE COUNTRY STATE BANK — 2003
What LAKE COUNTRY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 66,412,000 | 69,663,000 | 76,818,000 | 79,545,000 |
| Total loans | 42,712,000 | 48,662,000 | 49,979,000 | 51,490,000 |
| Allowance for loan losses | 754,000 | 747,000 | 597,000 | 596,000 |
| Securities available for sale | 17,169,000 | 14,741,000 | 19,960,000 | 20,707,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,230,000 | 60,185,000 | 67,343,000 | 69,706,000 |
| Interest-bearing deposits | 50,111,000 | 51,845,000 | 58,930,000 | 61,303,000 |
| Noninterest-bearing deposits | 7,119,000 | 8,340,000 | 8,413,000 | 8,403,000 |
| Equity capital | 6,690,000 | 7,061,000 | 7,016,000 | 7,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,062,000 | 2,154,000 | 3,287,000 | 4,453,000 |
| Interest expense | 281,000 | 541,000 | 806,000 | 1,100,000 |
| Net interest income | 781,000 | 1,613,000 | 2,481,000 | 3,353,000 |
| Noninterest income | 94,000 | 203,000 | 312,000 | 430,000 |
| Noninterest expense | 616,000 | 1,224,000 | 1,888,000 | 2,521,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 287,000 | 687,000 | 1,001,000 | 1,335,000 |
| Income tax | 85,000 | 165,000 | 265,000 | 406,000 |
| Net income | 202,000 | 522,000 | 736,000 | 929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,271,000 | 6,591,000 | 6,805,000 | 6,998,000 |
| Total capital | 6,864,000 | 7,208,000 | 7,402,000 | 7,594,000 |
| Risk-weighted assets | 47,304,000 | 49,228,000 | 51,278,000 | 52,647,000 |