Call reports 2015
BANK @LANTEC — 2015
What BANK @LANTEC 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 | 108,026,000 | 111,480,000 | 110,655,000 | 113,039,000 |
| Total loans | 88,254,000 | 94,009,000 | 91,653,000 | 94,020,000 |
| Allowance for loan losses | 639,000 | 639,000 | 578,000 | 578,000 |
| Securities available for sale | 6,621,000 | 6,101,000 | 5,669,000 | 5,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,603,000 | 83,082,000 | 84,091,000 | 86,447,000 |
| Interest-bearing deposits | 74,719,000 | 75,983,000 | 76,535,000 | 78,549,000 |
| Noninterest-bearing deposits | 6,884,000 | 7,099,000 | 7,556,000 | 7,898,000 |
| Equity capital | 12,587,000 | 12,634,000 | 12,745,000 | 12,766,000 |
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 | 980,000 | 1,962,000 | 2,961,000 | 3,940,000 |
| Interest expense | 110,000 | 222,000 | 347,000 | 479,000 |
| Net interest income | 870,000 | 1,740,000 | 2,614,000 | 3,461,000 |
| Noninterest income | 121,000 | 254,000 | 415,000 | 570,000 |
| Noninterest expense | 877,000 | 1,763,000 | 2,614,000 | 3,538,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 114,000 | 231,000 | 415,000 | 493,000 |
| Income tax | 42,000 | 90,000 | 167,000 | 196,000 |
| Net income | 72,000 | 141,000 | 248,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,280,000 | 11,399,000 | 11,578,000 | 11,665,000 |
| Total capital | 11,919,000 | 12,038,000 | 12,156,000 | 12,243,000 |
| Risk-weighted assets | 72,769,000 | 75,860,000 | 73,402,000 | 74,875,000 |