Call reports 2020
BANK OF LUMBER CITY — 2020
What BANK OF LUMBER CITY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 23,703,000 | 25,387,000 | 25,496,000 | 25,634,000 |
| Total loans | 14,242,000 | 14,340,000 | 13,804,000 | 13,676,000 |
| Allowance for loan losses | 113,000 | 112,000 | 121,000 | 129,000 |
| Securities available for sale | 2,794,000 | 3,161,000 | 3,705,000 | 6,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,413,000 | 20,928,000 | 21,002,000 | 21,131,000 |
| Interest-bearing deposits | 12,202,000 | 12,750,000 | 12,410,000 | 13,071,000 |
| Noninterest-bearing deposits | 7,211,000 | 8,178,000 | 8,592,000 | 8,060,000 |
| Equity capital | 3,727,000 | 3,887,000 | 3,909,000 | 3,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 303,000 | 586,000 | 869,000 | 1,204,000 |
| Interest expense | 24,000 | 44,000 | 63,000 | 80,000 |
| Net interest income | 279,000 | 542,000 | 806,000 | 1,124,000 |
| Noninterest income | 71,000 | 128,000 | 194,000 | 261,000 |
| Noninterest expense | 320,000 | 628,000 | 929,000 | 1,259,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 24,000 | 34,000 | 55,000 | 98,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 24,000 | 34,000 | 55,000 | 98,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,828,000 | 3,838,000 | 3,859,000 | 3,902,000 |