Call reports 2013
FOLSOM LAKE BANK — 2013
What FOLSOM LAKE 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 | 132,278,000 | 134,392,000 | 136,931,000 | 139,023,000 |
| Total loans | 72,809,000 | 77,001,000 | 75,098,000 | 77,653,000 |
| Allowance for loan losses | 1,652,000 | 1,672,000 | 1,673,000 | 1,633,000 |
| Securities available for sale | 42,225,000 | 41,576,000 | 48,150,000 | 50,331,000 |
| Securities held to maturity | 1,158,000 | 993,000 | 829,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,937,000 | 116,663,000 | 118,912,000 | 111,304,000 |
| Interest-bearing deposits | 84,843,000 | 86,550,000 | 82,815,000 | 82,049,000 |
| Noninterest-bearing deposits | 29,094,000 | 30,113,000 | 36,097,000 | 29,255,000 |
| Equity capital | 13,460,000 | 12,807,000 | 13,105,000 | 13,234,000 |
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 | 1,188,000 | 2,477,000 | 3,750,000 | 5,036,000 |
| Interest expense | 142,000 | 273,000 | 394,000 | 512,000 |
| Net interest income | 1,046,000 | 2,204,000 | 3,356,000 | 4,524,000 |
| Noninterest income | 40,000 | 83,000 | 101,000 | 132,000 |
| Noninterest expense | 913,000 | 1,890,000 | 2,856,000 | 3,870,000 |
| Provision for loan losses | 20,000 | 40,000 | 40,000 | 0 |
| Pretax income | 153,000 | 419,000 | 677,000 | 979,000 |
| Income tax | 0 | 0 | 0 | -64,000 |
| Net income | 153,000 | 419,000 | 677,000 | 1,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,974,000 | 13,317,000 | 13,589,000 | 13,968,000 |
| Total capital | 14,107,000 | 14,473,000 | 14,713,000 | 15,121,000 |
| Risk-weighted assets | 89,410,000 | 91,304,000 | 88,718,000 | 91,725,000 |