Call reports 2011
FIRST BANK OF THE LAKE — 2011
What FIRST BANK OF THE LAKE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 33,699,000 | 31,890,000 | 30,684,000 | 37,957,000 |
| Total loans | 21,421,000 | 20,224,000 | 19,540,000 | 22,549,000 |
| Allowance for loan losses | 640,000 | 593,000 | 574,000 | 81,000 |
| Securities available for sale | 3,029,000 | 2,914,000 | 2,886,000 | 2,879,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,905,000 | 24,303,000 | 23,364,000 | 30,573,000 |
| Interest-bearing deposits | 20,984,000 | 20,216,000 | 19,221,000 | 23,706,000 |
| Noninterest-bearing deposits | 4,921,000 | 4,087,000 | 4,143,000 | 6,867,000 |
| Equity capital | 5,959,000 | 6,040,000 | 6,072,000 | 6,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 360,000 | 748,000 | 1,113,000 | 1,470,000 |
| Interest expense | 91,000 | 175,000 | 255,000 | 328,000 |
| Net interest income | 269,000 | 573,000 | 858,000 | 1,142,000 |
| Noninterest income | 146,000 | 268,000 | 372,000 | 553,000 |
| Noninterest expense | 365,000 | 733,000 | 1,070,000 | 1,461,000 |
| Provision for loan losses | 2,000 | 2,000 | 54,000 | 49,000 |
| Pretax income | 48,000 | 106,000 | 106,000 | 185,000 |
| Income tax | 17,000 | 37,000 | 38,000 | 66,000 |
| Net income | 31,000 | 69,000 | 68,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,659,000 | 4,726,000 | 4,781,000 | 5,285,000 |
| Total capital | 4,963,000 | 4,930,000 | 5,064,000 | 5,366,000 |
| Risk-weighted assets | 23,342,000 | 22,130,000 | 22,058,000 | 23,664,000 |