Call reports 2015
BANK OF LUMBER CITY — 2015
What BANK OF LUMBER CITY 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 | 22,315,000 | 21,057,000 | 21,236,000 | 21,347,000 |
| Total loans | 11,718,000 | 12,474,000 | 12,920,000 | 13,225,000 |
| Allowance for loan losses | 298,000 | 312,000 | 318,000 | 155,000 |
| Securities available for sale | 5,702,000 | 5,910,000 | 4,918,000 | 4,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,246,000 | 17,129,000 | 17,195,000 | 17,292,000 |
| Interest-bearing deposits | 12,478,000 | 12,230,000 | 12,182,000 | 12,151,000 |
| Noninterest-bearing deposits | 5,768,000 | 4,899,000 | 5,013,000 | 5,141,000 |
| Equity capital | 3,594,000 | 3,451,000 | 3,546,000 | 3,569,000 |
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 | 266,000 | 546,000 | 837,000 | 1,137,000 |
| Interest expense | 16,000 | 32,000 | 48,000 | 64,000 |
| Net interest income | 250,000 | 514,000 | 789,000 | 1,073,000 |
| Noninterest income | 80,000 | 36,000 | 122,000 | 205,000 |
| Noninterest expense | 284,000 | 559,000 | 848,000 | 1,222,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 30,000 | -20,000 | 47,000 | 25,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 30,000 | -20,000 | 47,000 | 25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,514,000 | 3,464,000 | 3,546,000 | 3,508,000 |
| Total capital | 3,693,000 | 3,651,000 | 3,737,000 | 3,663,000 |
| Risk-weighted assets | 14,242,000 | 14,812,000 | 15,121,000 | 15,287,000 |