Call reports 2015
B & L BANK — 2015
What B & L BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 125,492,000 | 122,070,000 | 119,869,000 | 118,724,000 |
| Total loans | 66,678,000 | 68,684,000 | 70,043,000 | 72,982,000 |
| Allowance for loan losses | 1,495,000 | 1,501,000 | 1,506,000 | 1,501,000 |
| Securities available for sale | 31,134,000 | 29,775,000 | 26,722,000 | 24,655,000 |
| Securities held to maturity | 7,320,000 | 7,729,000 | 7,855,000 | 7,572,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,273,000 | 106,869,000 | 104,292,000 | 102,499,000 |
| Interest-bearing deposits | 93,195,000 | 90,173,000 | 88,359,000 | 86,562,000 |
| Noninterest-bearing deposits | 17,078,000 | 16,696,000 | 15,933,000 | 15,937,000 |
| Equity capital | 14,674,000 | 14,537,000 | 14,834,000 | 14,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 881,000 | 1,762,000 | 2,673,000 | 3,590,000 |
| Interest expense | 88,000 | 170,000 | 251,000 | 330,000 |
| Net interest income | 793,000 | 1,592,000 | 2,422,000 | 3,260,000 |
| Noninterest income | 16,000 | 138,000 | 312,000 | 495,000 |
| Noninterest expense | 807,000 | 1,616,000 | 2,418,000 | 3,207,000 |
| Provision for loan losses | -147,000 | -145,000 | -141,000 | -141,000 |
| Pretax income | 159,000 | 269,000 | 466,000 | 709,000 |
| Income tax | 42,000 | 68,000 | 116,000 | 185,000 |
| Net income | 117,000 | 201,000 | 350,000 | 524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,634,000 | 13,559,000 | 13,800,000 | 13,942,000 |
| Total capital | 14,427,000 | 14,373,000 | 14,618,000 | 14,769,000 |
| Risk-weighted assets | 62,768,000 | 64,273,000 | 64,778,000 | 65,486,000 |