Call reports 2016
B & L BANK — 2016
What B & L BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Total assets | 121,651,000 | 121,567,000 |
| Total loans | 73,152,000 | 73,722,000 |
| Allowance for loan losses | 1,503,000 | 1,496,000 |
| Securities available for sale | 23,113,000 | 21,901,000 |
| Securities held to maturity | 7,646,000 | 7,430,000 |
| Trading assets | 0 | 0 |
| Total deposits | 106,091,000 | 105,604,000 |
| Interest-bearing deposits | 88,841,000 | 88,003,000 |
| Noninterest-bearing deposits | 17,250,000 | 17,601,000 |
| Equity capital | 15,064,000 | 15,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Interest income | 930,000 | 1,849,000 |
| Interest expense | 78,000 | 154,000 |
| Net interest income | 852,000 | 1,695,000 |
| Noninterest income | 134,000 | 273,000 |
| Noninterest expense | 801,000 | 1,437,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 187,000 | 533,000 |
| Income tax | 55,000 | 162,000 |
| Net income | 132,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Tier 1 capital | 14,016,000 | 14,271,000 |
| Total capital | 14,858,000 | 15,123,000 |
| Risk-weighted assets | 66,566,000 | 67,329,000 |