Call reports 2011
BANK OF LUMBER CITY — 2011
What BANK OF LUMBER CITY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 21,940,000 | 20,690,000 | 20,160,000 | 20,096,000 |
| Total loans | 12,544,000 | 12,116,000 | 12,090,000 | 11,827,000 |
| Allowance for loan losses | 215,000 | 103,000 | 122,000 | 137,000 |
| Securities available for sale | 3,980,000 | 3,955,000 | 4,129,000 | 4,199,000 |
| Securities held to maturity | 518,000 | 483,000 | 447,000 | 413,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,651,000 | 16,485,000 | 15,885,000 | 15,820,000 |
| Interest-bearing deposits | 12,417,000 | 12,553,000 | 12,320,000 | 12,342,000 |
| Noninterest-bearing deposits | 5,234,000 | 3,932,000 | 3,565,000 | 3,478,000 |
| Equity capital | 4,014,000 | 3,939,000 | 3,963,000 | 3,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 279,000 | 545,000 | 822,000 | 1,086,000 |
| Interest expense | 43,000 | 86,000 | 127,000 | 163,000 |
| Net interest income | 236,000 | 459,000 | 695,000 | 923,000 |
| Noninterest income | 73,000 | 148,000 | 223,000 | 306,000 |
| Noninterest expense | 258,000 | 515,000 | 816,000 | 1,157,000 |
| Provision for loan losses | 18,000 | 170,000 | 193,000 | 215,000 |
| Pretax income | 33,000 | -78,000 | -91,000 | -143,000 |
| Income tax | 0 | 0 | 0 | -8,000 |
| Net income | 33,000 | -78,000 | -91,000 | -135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,995,000 | 3,884,000 | 3,871,000 | 3,827,000 |
| Total capital | 4,210,000 | 3,987,000 | 3,993,000 | 3,964,000 |
| Risk-weighted assets | 19,938,000 | 13,532,000 | 13,848,000 | 13,783,000 |