Call reports 2010
FIRST BANK OF THE LAKE — 2010
What FIRST BANK OF THE LAKE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 38,169,000 | 37,170,000 | 35,086,000 | 38,269,000 |
| Total loans | 24,656,000 | 23,540,000 | 22,826,000 | 20,991,000 |
| Allowance for loan losses | 696,000 | 698,000 | 698,000 | 351,000 |
| Securities available for sale | 4,207,000 | 3,261,000 | 2,794,000 | 3,557,000 |
| Securities held to maturity | 571,000 | 571,000 | 371,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,148,000 | 29,625,000 | 28,767,000 | 30,586,000 |
| Interest-bearing deposits | 27,644,000 | 25,555,000 | 24,565,000 | 27,047,000 |
| Noninterest-bearing deposits | 3,504,000 | 4,070,000 | 4,202,000 | 3,539,000 |
| Equity capital | 4,335,000 | 4,562,000 | 4,496,000 | 5,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 442,000 | 889,000 | 1,316,000 | 31,000 |
| Interest expense | 157,000 | 296,000 | 424,000 | 8,000 |
| Net interest income | 285,000 | 593,000 | 892,000 | 23,000 |
| Noninterest income | 80,000 | 509,000 | 576,000 | 27,000 |
| Noninterest expense | 389,000 | 788,000 | 1,202,000 | 41,000 |
| Provision for loan losses | 264,000 | 264,000 | 265,000 | 225,000 |
| Pretax income | -288,000 | 50,000 | 10,000 | -216,000 |
| Income tax | -98,000 | 25,000 | 5,000 | -89,000 |
| Net income | -190,000 | 25,000 | 5,000 | -127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,325,000 | 4,241,000 | 4,147,000 | 4,569,000 |
| Total capital | 4,640,000 | 4,582,000 | 4,462,000 | 4,889,000 |
| Risk-weighted assets | 25,241,000 | 26,980,000 | 24,842,000 | 24,814,000 |