Call reports 2016
LIFESTORE BANK — 2016
What LIFESTORE 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 | 265,383,000 | 263,873,000 | 264,593,000 | 269,265,000 |
| Total loans | 166,783,000 | 166,466,000 | 167,777,000 | 170,664,000 |
| Allowance for loan losses | 2,598,000 | 2,371,000 | 2,470,000 | 2,348,000 |
| Securities available for sale | 42,564,000 | 48,715,000 | 50,027,000 | 48,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,087,000 | 191,378,000 | 191,961,000 | 197,619,000 |
| Interest-bearing deposits | 163,285,000 | 160,787,000 | 158,169,000 | 159,626,000 |
| Noninterest-bearing deposits | 30,802,000 | 30,591,000 | 33,792,000 | 37,993,000 |
| Equity capital | 27,816,000 | 28,939,000 | 29,038,000 | 28,118,000 |
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 | 2,345,000 | 4,695,000 | 7,077,000 | 9,442,000 |
| Interest expense | 493,000 | 981,000 | 1,454,000 | 1,925,000 |
| Net interest income | 1,852,000 | 3,714,000 | 5,623,000 | 7,517,000 |
| Noninterest income | 824,000 | 1,601,000 | 2,504,000 | 3,196,000 |
| Noninterest expense | 2,135,000 | 4,242,000 | 6,437,000 | 8,581,000 |
| Provision for loan losses | -4,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 545,000 | 1,071,000 | 1,688,000 | 2,161,000 |
| Income tax | 99,000 | 174,000 | 315,000 | 371,000 |
| Net income | 446,000 | 897,000 | 1,373,000 | 1,790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,765,000 | 27,071,000 | 27,548,000 | 27,965,000 |
| Total capital | 28,825,000 | 29,140,000 | 29,619,000 | 30,031,000 |
| Risk-weighted assets | 163,788,000 | 164,687,000 | 164,918,000 | 164,611,000 |