Call reports 2015
FOLSOM LAKE BANK — 2015
What FOLSOM LAKE 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 | 154,644,000 | 160,267,000 | 167,090,000 | 178,311,000 |
| Total loans | 97,699,000 | 100,304,000 | 103,438,000 | 103,369,000 |
| Allowance for loan losses | 1,505,000 | 1,517,000 | 1,517,000 | 1,517,000 |
| Securities available for sale | 42,309,000 | 49,383,000 | 47,949,000 | 57,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,019,000 | 129,846,000 | 139,679,000 | 143,759,000 |
| Interest-bearing deposits | 89,795,000 | 92,607,000 | 98,080,000 | 100,574,000 |
| Noninterest-bearing deposits | 35,224,000 | 37,239,000 | 41,599,000 | 43,185,000 |
| Equity capital | 15,886,000 | 15,679,000 | 16,250,000 | 16,281,000 |
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 | 1,461,000 | 3,104,000 | 4,762,000 | 6,479,000 |
| Interest expense | 142,000 | 293,000 | 426,000 | 565,000 |
| Net interest income | 1,319,000 | 2,811,000 | 4,336,000 | 5,914,000 |
| Noninterest income | 10,000 | 66,000 | 119,000 | 137,000 |
| Noninterest expense | 1,160,000 | 2,325,000 | 3,541,000 | 4,721,000 |
| Provision for loan losses | -75,000 | -75,000 | -75,000 | -75,000 |
| Pretax income | 258,000 | 641,000 | 1,003,000 | 1,419,000 |
| Income tax | 95,000 | 233,000 | 397,000 | 568,000 |
| Net income | 163,000 | 408,000 | 606,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,409,000 | 15,665,000 | 15,874,000 | 16,130,000 |
| Total capital | 16,764,000 | 17,182,000 | 17,402,000 | 17,658,000 |
| Risk-weighted assets | 108,310,000 | 121,444,000 | 122,569,000 | 125,013,000 |