Call reports 2016
FOLSOM LAKE BANK — 2016
What FOLSOM LAKE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 182,122,000 | 187,548,000 | 194,110,000 | 199,952,000 |
| Total loans | 100,196,000 | 101,912,000 | 109,542,000 | 119,686,000 |
| Allowance for loan losses | 1,517,000 | 1,467,000 | 1,467,000 | 1,467,000 |
| Securities available for sale | 56,533,000 | 65,809,000 | 62,283,000 | 67,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,096,000 | 157,965,000 | 168,346,000 | 163,983,000 |
| Interest-bearing deposits | 110,357,000 | 110,381,000 | 113,042,000 | 108,877,000 |
| Noninterest-bearing deposits | 44,739,000 | 47,584,000 | 55,304,000 | 55,106,000 |
| Equity capital | 16,862,000 | 17,315,000 | 17,732,000 | 16,722,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,655,000 | 3,247,000 | 4,861,000 | 6,660,000 |
| Interest expense | 150,000 | 309,000 | 481,000 | 644,000 |
| Net interest income | 1,505,000 | 2,938,000 | 4,380,000 | 6,016,000 |
| Noninterest income | 48,000 | 103,000 | 168,000 | 232,000 |
| Noninterest expense | 1,168,000 | 2,343,000 | 3,570,000 | 4,768,000 |
| Provision for loan losses | 0 | -50,000 | -50,000 | -50,000 |
| Pretax income | 385,000 | 790,000 | 1,071,000 | 1,573,000 |
| Income tax | 158,000 | 325,000 | 404,000 | 564,000 |
| Net income | 227,000 | 465,000 | 667,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,369,000 | 16,620,000 | 16,834,000 | 17,189,000 |
| Total capital | 17,894,000 | 18,098,000 | 18,312,000 | 18,667,000 |
| Risk-weighted assets | 122,041,000 | 122,754,000 | 129,168,000 | 141,107,000 |