Call reports 2016
LIGHTHOUSE BANK — 2016
What LIGHTHOUSE 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 | 183,388,000 | 201,103,000 | 209,145,000 | 218,069,000 |
| Total loans | 141,935,000 | 154,359,000 | 166,705,000 | 168,792,000 |
| Allowance for loan losses | 3,349,000 | 3,642,000 | 3,983,000 | 4,025,000 |
| Securities available for sale | 4,530,000 | 4,333,000 | 4,129,000 | 2,818,000 |
| Securities held to maturity | 7,713,000 | 7,707,000 | 7,702,000 | 7,696,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,081,000 | 169,649,000 | 179,062,000 | 186,636,000 |
| Interest-bearing deposits | 119,171,000 | 128,713,000 | 137,821,000 | 145,653,000 |
| Noninterest-bearing deposits | 34,910,000 | 40,937,000 | 41,242,000 | 40,983,000 |
| Equity capital | 28,567,000 | 29,102,000 | 29,555,000 | 30,872,000 |
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 | 2,112,000 | 4,454,000 | 6,985,000 | 9,658,000 |
| Interest expense | 97,000 | 197,000 | 316,000 | 442,000 |
| Net interest income | 2,015,000 | 4,257,000 | 6,669,000 | 9,216,000 |
| Noninterest income | 59,000 | 129,000 | 208,000 | 277,000 |
| Noninterest expense | 1,160,000 | 2,352,000 | 3,642,000 | 4,931,000 |
| Provision for loan losses | 49,000 | 342,000 | 683,000 | 734,000 |
| Pretax income | 865,000 | 1,692,000 | 2,552,000 | 3,828,000 |
| Income tax | 342,000 | 670,000 | 1,010,000 | 1,295,000 |
| Net income | 523,000 | 1,022,000 | 1,542,000 | 2,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,517,000 | 29,040,000 | 29,488,000 | 30,869,000 |
| Total capital | 30,712,000 | 31,398,000 | 32,074,000 | 33,486,000 |
| Risk-weighted assets | 174,352,000 | 187,200,000 | 205,369,000 | 207,802,000 |