Call reports 2014
B & L BANK — 2014
What B & L BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 129,509,000 | 124,089,000 | 122,819,000 | 119,775,000 |
| Total loans | 68,692,000 | 68,030,000 | 67,773,000 | 67,545,000 |
| Allowance for loan losses | 1,775,000 | 1,774,000 | 1,591,000 | 1,594,000 |
| Securities available for sale | 32,578,000 | 33,765,000 | 32,223,000 | 31,916,000 |
| Securities held to maturity | 5,976,000 | 5,961,000 | 6,935,000 | 6,903,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,024,000 | 108,223,000 | 106,790,000 | 104,715,000 |
| Interest-bearing deposits | 98,420,000 | 93,325,000 | 91,330,000 | 88,903,000 |
| Noninterest-bearing deposits | 15,604,000 | 14,898,000 | 15,460,000 | 15,812,000 |
| Equity capital | 14,904,000 | 15,165,000 | 15,246,000 | 14,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 959,000 | 1,876,000 | 2,787,000 | 3,706,000 |
| Interest expense | 110,000 | 210,000 | 307,000 | 401,000 |
| Net interest income | 849,000 | 1,666,000 | 2,480,000 | 3,305,000 |
| Noninterest income | 131,000 | 265,000 | 244,000 | 382,000 |
| Noninterest expense | 806,000 | 1,593,000 | 2,403,000 | 3,203,000 |
| Provision for loan losses | 3,000 | 9,000 | -189,000 | -185,000 |
| Pretax income | 172,000 | 334,000 | 520,000 | 684,000 |
| Income tax | 51,000 | 98,000 | 147,000 | 195,000 |
| Net income | 121,000 | 236,000 | 373,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,063,000 | 13,915,000 | 14,102,000 | 13,256,000 |
| Total capital | 14,910,000 | 14,751,000 | 14,933,000 | 14,073,000 |
| Risk-weighted assets | 66,818,000 | 65,959,000 | 65,722,000 | 64,604,000 |