Call reports 2006
LAKE COUNTRY STATE BANK — 2006
What LAKE COUNTRY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 88,855,000 | 90,306,000 | 94,159,000 | 85,731,000 |
| Total loans | 56,305,000 | 57,585,000 | 59,118,000 | 54,257,000 |
| Allowance for loan losses | 669,000 | 675,000 | 702,000 | 706,000 |
| Securities available for sale | 24,851,000 | 24,794,000 | 24,223,000 | 24,681,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,842,000 | 75,403,000 | 80,878,000 | 72,255,000 |
| Interest-bearing deposits | 64,748,000 | 66,623,000 | 72,252,000 | 63,528,000 |
| Noninterest-bearing deposits | 9,094,000 | 8,780,000 | 8,626,000 | 8,727,000 |
| Equity capital | 8,009,000 | 7,831,000 | 8,497,000 | 8,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,405,000 | 2,845,000 | 4,399,000 | 5,999,000 |
| Interest expense | 505,000 | 1,208,000 | 1,932,000 | 2,675,000 |
| Net interest income | 900,000 | 1,637,000 | 2,467,000 | 3,324,000 |
| Noninterest income | 96,000 | 190,000 | 283,000 | 394,000 |
| Noninterest expense | 699,000 | 1,348,000 | 1,974,000 | 2,669,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 283,000 | 451,000 | 726,000 | 987,000 |
| Income tax | 75,000 | 150,000 | 200,000 | 296,000 |
| Net income | 208,000 | 301,000 | 526,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,174,000 | 8,267,000 | 8,492,000 | 8,657,000 |
| Total capital | 8,843,000 | 8,942,000 | 9,194,000 | 9,363,000 |
| Risk-weighted assets | 62,214,000 | 63,898,000 | 68,409,000 | 63,593,000 |