Call reports 2012
FIRST BANK OF THE LAKE — 2012
What FIRST BANK OF THE LAKE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 36,489,000 | 33,078,000 | 32,167,000 | 32,209,000 |
| Total loans | 23,236,000 | 23,330,000 | 21,951,000 | 23,150,000 |
| Allowance for loan losses | 118,000 | 157,000 | 184,000 | 187,000 |
| Securities available for sale | 3,236,000 | 2,981,000 | 1,964,000 | 1,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,096,000 | 25,664,000 | 24,734,000 | 24,863,000 |
| Interest-bearing deposits | 20,774,000 | 17,523,000 | 16,473,000 | 16,746,000 |
| Noninterest-bearing deposits | 8,323,000 | 8,141,000 | 8,261,000 | 8,117,000 |
| Equity capital | 6,212,000 | 6,261,000 | 6,233,000 | 6,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 398,000 | 781,000 | 1,100,000 | 1,446,000 |
| Interest expense | 70,000 | 136,000 | 195,000 | 235,000 |
| Net interest income | 328,000 | 645,000 | 905,000 | 1,211,000 |
| Noninterest income | 86,000 | 196,000 | 250,000 | 315,000 |
| Noninterest expense | 435,000 | 767,000 | 1,095,000 | 1,452,000 |
| Provision for loan losses | 15,000 | 55,000 | 81,000 | 76,000 |
| Pretax income | -36,000 | 19,000 | -21,000 | -2,000 |
| Income tax | -12,000 | 7,000 | -6,000 | 16,000 |
| Net income | -24,000 | 12,000 | -15,000 | -18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,271,000 | 4,992,000 | 4,975,000 | 5,282,000 |
| Total capital | 5,389,000 | 5,149,000 | 5,159,000 | 5,469,000 |
| Risk-weighted assets | 23,711,000 | 22,566,000 | 21,419,000 | 23,476,000 |