Call reports 2016
BANK OF LUMBER CITY — 2016
What BANK OF LUMBER CITY 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 | 23,581,000 | 23,230,000 | 24,335,000 | 24,935,000 |
| Total loans | 12,311,000 | 11,933,000 | 12,209,000 | 12,378,000 |
| Allowance for loan losses | 172,000 | 103,000 | 118,000 | 110,000 |
| Securities available for sale | 4,616,000 | 6,208,000 | 6,269,000 | 6,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,467,000 | 19,000,000 | 20,082,000 | 20,162,000 |
| Interest-bearing deposits | 13,444,000 | 13,407,000 | 14,175,000 | 13,663,000 |
| Noninterest-bearing deposits | 6,023,000 | 5,593,000 | 5,907,000 | 6,499,000 |
| Equity capital | 3,643,000 | 3,729,000 | 3,746,000 | 3,549,000 |
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 | 293,000 | 576,000 | 863,000 | 1,132,000 |
| Interest expense | 18,000 | 39,000 | 60,000 | 82,000 |
| Net interest income | 275,000 | 537,000 | 803,000 | 1,050,000 |
| Noninterest income | 76,000 | 170,000 | 238,000 | 337,000 |
| Noninterest expense | 273,000 | 554,000 | 843,000 | 1,179,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 65,000 |
| Pretax income | 72,000 | 132,000 | 172,000 | 163,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 72,000 | 132,000 | 172,000 | 163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,580,000 | 3,611,000 | 3,650,000 | 3,457,000 |
| Total capital | 3,752,000 | 3,714,000 | 3,768,000 | 3,567,000 |
| Risk-weighted assets | 14,714,000 | 14,797,000 | 15,073,000 | 15,560,000 |