Call reports 2014
BANK @LANTEC — 2014
What BANK @LANTEC reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 101,956,000 | 108,685,000 | 109,845,000 | 109,076,000 |
| Total loans | 76,588,000 | 86,818,000 | 87,836,000 | 90,551,000 |
| Allowance for loan losses | 662,000 | 645,000 | 641,000 | 640,000 |
| Securities available for sale | 11,615,000 | 10,919,000 | 10,300,000 | 7,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,242,000 | 79,457,000 | 79,475,000 | 81,793,000 |
| Interest-bearing deposits | 71,393,000 | 73,056,000 | 72,430,000 | 74,451,000 |
| Noninterest-bearing deposits | 7,849,000 | 6,401,000 | 7,045,000 | 7,342,000 |
| Equity capital | 12,228,000 | 12,265,000 | 12,325,000 | 12,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 894,000 | 1,830,000 | 2,836,000 | 3,849,000 |
| Interest expense | 102,000 | 211,000 | 328,000 | 443,000 |
| Net interest income | 792,000 | 1,619,000 | 2,508,000 | 3,406,000 |
| Noninterest income | 85,000 | 207,000 | 289,000 | 358,000 |
| Noninterest expense | 865,000 | 1,771,000 | 2,632,000 | 3,521,000 |
| Provision for loan losses | 0 | 0 | 0 | -276,000 |
| Pretax income | 12,000 | 55,000 | 165,000 | 535,000 |
| Income tax | 5,000 | 19,000 | 63,000 | 264,000 |
| Net income | 7,000 | 36,000 | 102,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,221,000 | 11,242,000 | 11,488,000 | 11,539,000 |
| Total capital | 11,883,000 | 11,887,000 | 12,129,000 | 12,179,000 |
| Risk-weighted assets | 68,336,000 | 75,988,000 | 75,052,000 | 74,740,000 |