Call reports 2007
LAKE COUNTRY STATE BANK — 2007
What LAKE COUNTRY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 83,765,000 | 77,465,000 | 77,325,000 | 74,501,000 |
| Total loans | 51,676,000 | 47,432,000 | 41,694,000 | 38,636,000 |
| Allowance for loan losses | 690,000 | 628,000 | 445,000 | 555,000 |
| Securities available for sale | 24,576,000 | 22,929,000 | 23,331,000 | 23,686,000 |
| Securities held to maturity | 75,000 | 75,000 | 82,000 | 83,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,558,000 | 66,512,000 | 59,605,000 | 56,530,000 |
| Interest-bearing deposits | 62,321,000 | 58,424,000 | 51,038,000 | 48,149,000 |
| Noninterest-bearing deposits | 8,237,000 | 8,088,000 | 8,567,000 | 8,381,000 |
| Equity capital | 8,562,000 | 6,383,000 | 12,128,000 | 12,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,477,000 | 2,757,000 | 199,000 | 1,347,000 |
| Interest expense | 708,000 | 1,341,000 | 74,000 | 599,000 |
| Net interest income | 769,000 | 1,416,000 | 125,000 | 748,000 |
| Noninterest income | 81,000 | 162,000 | 12,000 | 100,000 |
| Noninterest expense | 601,000 | 1,287,000 | 88,000 | 700,000 |
| Provision for loan losses | 15,000 | 15,000 | 0 | 110,000 |
| Pretax income | 236,000 | 279,000 | 49,000 | 38,000 |
| Income tax | 81,000 | 91,000 | 0 | 0 |
| Net income | 155,000 | 188,000 | 49,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,515,000 | 6,678,000 | 6,280,000 | 6,329,000 |
| Total capital | 9,205,000 | 7,306,000 | 6,725,000 | 6,884,000 |
| Risk-weighted assets | 62,274,000 | 55,327,000 | 48,633,000 | 45,778,000 |