Call reports 2016
BANK OF LEXINGTON, INC. — 2016
What BANK OF LEXINGTON, INC. 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 | 256,195,000 | 256,751,000 | 262,163,000 | 267,965,000 |
| Total loans | 209,536,000 | 211,607,000 | 213,389,000 | 218,221,000 |
| Allowance for loan losses | 1,856,000 | 1,917,000 | 1,915,000 | 1,956,000 |
| Securities available for sale | 12,871,000 | 14,994,000 | 14,933,000 | 15,514,000 |
| Securities held to maturity | 2,187,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,761,000 | 199,855,000 | 207,244,000 | 204,988,000 |
| Interest-bearing deposits | 173,333,000 | 167,285,000 | 174,405,000 | 175,886,000 |
| Noninterest-bearing deposits | 26,428,000 | 32,570,000 | 32,839,000 | 29,102,000 |
| Equity capital | 25,075,000 | 25,737,000 | 26,305,000 | 26,812,000 |
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 | 2,540,000 | 5,150,000 | 7,780,000 | 10,444,000 |
| Interest expense | 382,000 | 785,000 | 1,199,000 | 1,630,000 |
| Net interest income | 2,158,000 | 4,365,000 | 6,581,000 | 8,814,000 |
| Noninterest income | 136,000 | 395,000 | 678,000 | 897,000 |
| Noninterest expense | 1,569,000 | 3,134,000 | 4,725,000 | 6,355,000 |
| Provision for loan losses | 0 | 60,000 | 60,000 | 120,000 |
| Pretax income | 725,000 | 1,625,000 | 2,533,000 | 3,295,000 |
| Income tax | 241,000 | 546,000 | 854,000 | 1,113,000 |
| Net income | 484,000 | 1,079,000 | 1,679,000 | 2,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,057,000 | 25,652,000 | 26,253,000 | 26,865,000 |
| Total capital | 26,913,000 | 27,569,000 | 28,168,000 | 28,821,000 |
| Risk-weighted assets | 173,985,000 | 173,507,000 | 171,801,000 | 174,620,000 |