Call reports 2016
LEAD BANK — 2016
What LEAD BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 155,118,000 | 163,514,000 | 168,899,000 | 176,172,000 |
| Total loans | 125,297,000 | 134,842,000 | 141,544,000 | 149,184,000 |
| Allowance for loan losses | 843,000 | 897,000 | 1,457,000 | 1,623,000 |
| Securities available for sale | 6,165,000 | 5,884,000 | 5,567,000 | 2,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,325,000 | 136,207,000 | 144,166,000 | 151,676,000 |
| Interest-bearing deposits | 112,912,000 | 112,374,000 | 113,915,000 | 120,685,000 |
| Noninterest-bearing deposits | 27,413,000 | 23,833,000 | 30,251,000 | 30,991,000 |
| Equity capital | 12,900,000 | 13,220,000 | 12,859,000 | 20,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,803,000 | 3,834,000 | 5,832,000 | 7,991,000 |
| Interest expense | 267,000 | 534,000 | 812,000 | 1,078,000 |
| Net interest income | 1,536,000 | 3,300,000 | 5,020,000 | 6,913,000 |
| Noninterest income | 890,000 | 1,805,000 | 2,627,000 | 3,513,000 |
| Noninterest expense | 2,180,000 | 4,584,000 | 6,944,000 | 9,232,000 |
| Provision for loan losses | 34,000 | 68,000 | 632,000 | 828,000 |
| Pretax income | 212,000 | 453,000 | 71,000 | 453,000 |
| Income tax | 0 | -47,000 | -47,000 | -47,000 |
| Net income | 212,000 | 500,000 | 118,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,810,000 | 13,098,000 | 12,716,000 | 20,598,000 |
| Total capital | 13,653,000 | 13,995,000 | 14,173,000 | 22,221,000 |
| Risk-weighted assets | 138,519,000 | 147,978,000 | 155,745,000 | 163,615,000 |