Call reports 2014
FOLSOM LAKE BANK — 2014
What FOLSOM LAKE 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 | 140,476,000 | 147,033,000 | 146,763,000 | 154,323,000 |
| Total loans | 77,564,000 | 88,299,000 | 86,955,000 | 93,070,000 |
| Allowance for loan losses | 1,634,000 | 1,635,000 | 1,640,000 | 1,579,000 |
| Securities available for sale | 49,219,000 | 44,184,000 | 42,366,000 | 44,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,264,000 | 119,424,000 | 120,854,000 | 125,108,000 |
| Interest-bearing deposits | 81,428,000 | 83,460,000 | 82,452,000 | 89,637,000 |
| Noninterest-bearing deposits | 31,836,000 | 35,964,000 | 38,402,000 | 35,471,000 |
| Equity capital | 13,846,000 | 14,268,000 | 14,513,000 | 15,722,000 |
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 | 1,315,000 | 2,634,000 | 4,090,000 | 5,542,000 |
| Interest expense | 112,000 | 238,000 | 369,000 | 505,000 |
| Net interest income | 1,203,000 | 2,396,000 | 3,721,000 | 5,037,000 |
| Noninterest income | 40,000 | 81,000 | 125,000 | 170,000 |
| Noninterest expense | 1,015,000 | 2,051,000 | 3,175,000 | 4,379,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 232,000 | 437,000 | 682,000 | 862,000 |
| Income tax | 0 | -40,000 | -40,000 | -353,000 |
| Net income | 232,000 | 477,000 | 722,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,214,000 | 14,473,000 | 14,730,000 | 15,235,000 |
| Total capital | 15,361,000 | 15,726,000 | 16,000,000 | 16,578,000 |
| Risk-weighted assets | 91,253,000 | 99,844,000 | 101,196,000 | 107,190,000 |