Call reports 2011
FOLSOM LAKE BANK — 2011
What FOLSOM LAKE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 114,848,000 | 113,469,000 | 116,321,000 | 116,494,000 |
| Total loans | 73,789,000 | 75,410,000 | 76,654,000 | 73,536,000 |
| Allowance for loan losses | 1,550,000 | 1,513,000 | 1,549,000 | 1,691,000 |
| Securities available for sale | 27,065,000 | 21,723,000 | 21,542,000 | 27,862,000 |
| Securities held to maturity | 2,426,000 | 2,251,000 | 2,103,000 | 1,944,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,509,000 | 94,760,000 | 97,431,000 | 97,449,000 |
| Interest-bearing deposits | 76,864,000 | 76,448,000 | 75,775,000 | 74,613,000 |
| Noninterest-bearing deposits | 22,644,000 | 18,312,000 | 21,656,000 | 22,836,000 |
| Equity capital | 11,964,000 | 12,365,000 | 12,527,000 | 12,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,292,000 | 2,630,000 | 3,974,000 | 5,326,000 |
| Interest expense | 220,000 | 433,000 | 640,000 | 837,000 |
| Net interest income | 1,072,000 | 2,197,000 | 3,334,000 | 4,489,000 |
| Noninterest income | -112,000 | -96,000 | -189,000 | -167,000 |
| Noninterest expense | 971,000 | 1,865,000 | 2,742,000 | 3,668,000 |
| Provision for loan losses | 75,000 | 300,000 | 410,000 | 560,000 |
| Pretax income | 45,000 | 84,000 | 141,000 | 242,000 |
| Income tax | 0 | 0 | -100,000 | -251,000 |
| Net income | 45,000 | 84,000 | 241,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,701,000 | 11,754,000 | 11,920,000 | 12,183,000 |
| Total capital | 12,740,000 | 12,810,000 | 13,019,000 | 13,259,000 |
| Risk-weighted assets | 81,919,000 | 83,220,000 | 86,666,000 | 84,785,000 |