Call reports 2014
BANK OF LUMBER CITY — 2014
What BANK OF LUMBER CITY 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 | 20,863,000 | 19,783,000 | 20,432,000 | 21,592,000 |
| Total loans | 10,921,000 | 10,788,000 | 11,081,000 | 11,342,000 |
| Allowance for loan losses | 216,000 | 243,000 | 261,000 | 282,000 |
| Securities available for sale | 6,464,000 | 5,768,000 | 5,467,000 | 5,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,600,000 | 15,865,000 | 16,473,000 | 17,581,000 |
| Interest-bearing deposits | 12,734,000 | 11,940,000 | 12,404,000 | 12,230,000 |
| Noninterest-bearing deposits | 3,866,000 | 3,925,000 | 4,069,000 | 5,351,000 |
| Equity capital | 3,342,000 | 3,439,000 | 3,479,000 | 3,530,000 |
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 | 260,000 | 524,000 | 787,000 | 1,068,000 |
| Interest expense | 17,000 | 36,000 | 54,000 | 71,000 |
| Net interest income | 243,000 | 488,000 | 733,000 | 997,000 |
| Noninterest income | 91,000 | 180,000 | 269,000 | 384,000 |
| Noninterest expense | 316,000 | 608,000 | 887,000 | 1,239,000 |
| Provision for loan losses | 26,000 | 51,000 | 70,000 | 85,000 |
| Pretax income | -9,000 | 9,000 | 45,000 | 56,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -9,000 | 9,000 | 45,000 | 56,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,418,000 | 3,437,000 | 3,472,000 | 3,484,000 |
| Total capital | 3,594,000 | 3,647,000 | 3,646,000 | 3,659,000 |
| Risk-weighted assets | 14,073,000 | 16,799,000 | 13,871,000 | 13,875,000 |