Call reports 2012
B & L BANK — 2012
What B & L BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 150,754,000 | 147,176,000 | 142,479,000 | 151,110,000 |
| Total loans | 84,363,000 | 83,456,000 | 80,391,000 | 76,751,000 |
| Allowance for loan losses | 1,349,000 | 1,327,000 | 2,084,000 | 1,840,000 |
| Securities available for sale | 22,648,000 | 25,639,000 | 26,490,000 | 27,977,000 |
| Securities held to maturity | 4,618,000 | 4,614,000 | 5,040,000 | 5,543,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,756,000 | 130,856,000 | 127,205,000 | 135,954,000 |
| Interest-bearing deposits | 121,536,000 | 118,582,000 | 113,898,000 | 122,220,000 |
| Noninterest-bearing deposits | 13,220,000 | 12,274,000 | 13,307,000 | 13,734,000 |
| Equity capital | 15,472,000 | 15,605,000 | 14,468,000 | 14,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,208,000 | 2,391,000 | 3,679,000 | 4,862,000 |
| Interest expense | 335,000 | 605,000 | 836,000 | 1,031,000 |
| Net interest income | 873,000 | 1,786,000 | 2,843,000 | 3,831,000 |
| Noninterest income | 135,000 | 311,000 | 289,000 | 429,000 |
| Noninterest expense | 771,000 | 1,588,000 | 2,402,000 | 3,217,000 |
| Provision for loan losses | 320,000 | 449,000 | 2,471,000 | 2,598,000 |
| Pretax income | -82,000 | 105,000 | -1,670,000 | -1,472,000 |
| Income tax | -67,000 | -6,000 | -652,000 | -600,000 |
| Net income | -15,000 | 111,000 | -1,018,000 | -872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,345,000 | 14,479,000 | 13,256,000 | 13,592,000 |
| Total capital | 15,306,000 | 15,448,000 | 14,214,000 | 14,560,000 |
| Risk-weighted assets | 76,508,000 | 77,145,000 | 75,539,000 | 76,562,000 |