Call reports 2016
BANK @LANTEC — 2016
What BANK @LANTEC 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 | 111,581,000 | 112,248,000 | 112,736,000 | 110,476,000 |
| Total loans | 92,646,000 | 94,186,000 | 92,884,000 | 91,987,000 |
| Allowance for loan losses | 578,000 | 559,000 | 560,000 | 530,000 |
| Securities available for sale | 5,002,000 | 6,208,000 | 5,798,000 | 5,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,986,000 | 88,638,000 | 90,245,000 | 88,246,000 |
| Interest-bearing deposits | 79,943,000 | 81,053,000 | 81,256,000 | 79,605,000 |
| Noninterest-bearing deposits | 8,043,000 | 7,585,000 | 8,989,000 | 8,641,000 |
| Equity capital | 12,756,000 | 12,796,000 | 12,862,000 | 12,850,000 |
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 | 981,000 | 1,965,000 | 2,939,000 | 3,875,000 |
| Interest expense | 134,000 | 269,000 | 410,000 | 549,000 |
| Net interest income | 847,000 | 1,696,000 | 2,529,000 | 3,326,000 |
| Noninterest income | 68,000 | 208,000 | 390,000 | 480,000 |
| Noninterest expense | 936,000 | 1,875,000 | 2,787,000 | 3,639,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -21,000 | 29,000 | 132,000 | 167,000 |
| Income tax | -9,000 | 12,000 | 51,000 | 61,000 |
| Net income | -12,000 | 17,000 | 81,000 | 106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,634,000 | 11,710,000 | 11,782,000 | 11,849,000 |
| Total capital | 12,212,000 | 12,269,000 | 12,342,000 | 12,379,000 |
| Risk-weighted assets | 74,034,000 | 74,915,000 | 72,764,000 | 72,611,000 |