Call reports 2015
LIGHTHOUSE BANK — 2015
What LIGHTHOUSE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 177,784,000 | 175,865,000 | 176,086,000 | 182,021,000 |
| Total loans | 120,502,000 | 133,497,000 | 131,478,000 | 136,937,000 |
| Allowance for loan losses | 3,164,000 | 3,282,000 | 3,282,000 | 3,300,000 |
| Securities available for sale | 5,454,000 | 5,147,000 | 4,948,000 | 4,685,000 |
| Securities held to maturity | 7,734,000 | 7,729,000 | 7,724,000 | 7,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,405,000 | 146,079,000 | 148,437,000 | 151,740,000 |
| Interest-bearing deposits | 110,672,000 | 111,314,000 | 111,002,000 | 116,038,000 |
| Noninterest-bearing deposits | 40,732,000 | 34,765,000 | 37,435,000 | 35,702,000 |
| Equity capital | 25,715,000 | 26,439,000 | 26,942,000 | 27,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,908,000 | 3,930,000 | 6,090,000 | 8,188,000 |
| Interest expense | 91,000 | 183,000 | 277,000 | 371,000 |
| Net interest income | 1,817,000 | 3,747,000 | 5,813,000 | 7,817,000 |
| Noninterest income | 87,000 | 158,000 | 221,000 | 295,000 |
| Noninterest expense | 1,101,000 | 2,114,000 | 3,243,000 | 4,260,000 |
| Provision for loan losses | 0 | 118,000 | 118,000 | 136,000 |
| Pretax income | 803,000 | 1,673,000 | 2,673,000 | 3,716,000 |
| Income tax | 309,000 | 644,000 | 1,032,000 | 1,366,000 |
| Net income | 494,000 | 1,029,000 | 1,641,000 | 2,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,634,000 | 26,391,000 | 26,877,000 | 27,531,000 |
| Total capital | 27,436,000 | 28,367,000 | 28,886,000 | 29,650,000 |
| Risk-weighted assets | 142,791,000 | 156,691,000 | 159,353,000 | 168,232,000 |