Call reports 2018
LEADERS BANK, THE — 2018
What LEADERS BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 324,989,000 | 317,603,000 | 312,322,000 | 312,312,000 |
| Total loans | 266,964,000 | 265,147,000 | 258,619,000 | 259,038,000 |
| Allowance for loan losses | 3,167,000 | 3,165,000 | 3,240,000 | 3,514,000 |
| Securities available for sale | 21,117,000 | 22,164,000 | 23,330,000 | 22,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,593,000 | 259,475,000 | 254,669,000 | 255,578,000 |
| Interest-bearing deposits | 219,052,000 | 207,749,000 | 203,410,000 | 201,492,000 |
| Noninterest-bearing deposits | 47,541,000 | 51,726,000 | 51,259,000 | 54,086,000 |
| Equity capital | 39,875,000 | 39,405,000 | 40,098,000 | 40,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,493,000 | 7,060,000 | 10,685,000 | 14,459,000 |
| Interest expense | 711,000 | 1,481,000 | 2,275,000 | 3,110,000 |
| Net interest income | 2,782,000 | 5,579,000 | 8,410,000 | 11,349,000 |
| Noninterest income | 49,000 | -841,000 | -655,000 | -1,453,000 |
| Noninterest expense | 2,356,000 | 4,611,000 | 6,773,000 | 8,897,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 400,000 | -23,000 | 757,000 | 699,000 |
| Income tax | -367,000 | -367,000 | -367,000 | -356,000 |
| Net income | 767,000 | 344,000 | 1,124,000 | 1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,431,000 | 37,144,000 | 37,956,000 | 38,034,000 |
| Total capital | 40,598,000 | 40,309,000 | 41,196,000 | 41,390,000 |
| Risk-weighted assets | 281,406,000 | 276,007,000 | 271,310,000 | 267,354,000 |