Call reports 2004
LAKE COUNTRY STATE BANK — 2004
What LAKE COUNTRY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 78,111,000 | 82,312,000 | 82,747,000 | 83,537,000 |
| Total loans | 53,194,000 | 52,178,000 | 54,371,000 | 54,882,000 |
| Allowance for loan losses | 600,000 | 634,000 | 650,000 | 662,000 |
| Securities available for sale | 19,858,000 | 23,244,000 | 21,507,000 | 22,614,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,447,000 | 71,973,000 | 72,645,000 | 71,675,000 |
| Interest-bearing deposits | 60,291,000 | 62,781,000 | 63,288,000 | 61,346,000 |
| Noninterest-bearing deposits | 8,156,000 | 9,192,000 | 9,357,000 | 10,329,000 |
| Equity capital | 7,331,000 | 6,992,000 | 7,559,000 | 7,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,184,000 | 2,376,000 | 3,579,000 | 4,789,000 |
| Interest expense | 287,000 | 579,000 | 877,000 | 1,178,000 |
| Net interest income | 897,000 | 1,797,000 | 2,702,000 | 3,611,000 |
| Noninterest income | 92,000 | 226,000 | 328,000 | 461,000 |
| Noninterest expense | 687,000 | 1,353,000 | 1,992,000 | 2,662,000 |
| Provision for loan losses | 77,000 | 95,000 | 113,000 | 192,000 |
| Pretax income | 259,000 | 607,000 | 984,000 | 1,302,000 |
| Income tax | 70,000 | 185,000 | 290,000 | 407,000 |
| Net income | 189,000 | 422,000 | 694,000 | 895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,890,000 | 7,123,000 | 7,395,000 | 7,596,000 |
| Total capital | 7,490,000 | 7,757,000 | 8,045,000 | 8,258,000 |
| Risk-weighted assets | 53,254,000 | 54,345,000 | 55,368,000 | 53,826,000 |