Call reports 2013
B & L BANK — 2013
What B & L BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 141,210,000 | 138,120,000 | 130,171,000 | 126,203,000 |
| Total loans | 73,853,000 | 73,301,000 | 72,466,000 | 71,046,000 |
| Allowance for loan losses | 1,839,000 | 1,824,000 | 1,828,000 | 1,812,000 |
| Securities available for sale | 29,699,000 | 30,610,000 | 31,078,000 | 31,788,000 |
| Securities held to maturity | 6,274,000 | 6,734,000 | 6,718,000 | 6,416,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,016,000 | 122,835,000 | 114,371,000 | 110,844,000 |
| Interest-bearing deposits | 110,313,000 | 107,766,000 | 99,262,000 | 94,707,000 |
| Noninterest-bearing deposits | 15,703,000 | 15,069,000 | 15,109,000 | 16,137,000 |
| Equity capital | 14,707,000 | 14,522,000 | 14,538,000 | 14,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,039,000 | 2,046,000 | 3,057,000 | 4,039,000 |
| Interest expense | 165,000 | 311,000 | 438,000 | 556,000 |
| Net interest income | 874,000 | 1,735,000 | 2,619,000 | 3,483,000 |
| Noninterest income | 320,000 | 465,000 | 615,000 | 746,000 |
| Noninterest expense | 838,000 | 1,691,000 | 2,516,000 | 3,198,000 |
| Provision for loan losses | 51,000 | 55,000 | 57,000 | 62,000 |
| Pretax income | 313,000 | 473,000 | 680,000 | 989,000 |
| Income tax | 101,000 | 146,000 | 208,000 | 308,000 |
| Net income | 212,000 | 327,000 | 472,000 | 681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,716,000 | 13,831,000 | 13,976,000 | 13,863,000 |
| Total capital | 14,594,000 | 14,705,000 | 14,844,000 | 14,715,000 |
| Risk-weighted assets | 69,220,000 | 68,993,000 | 68,509,000 | 67,187,000 |