Call reports 2013
FIRST BANK OF THE LAKE — 2013
What FIRST BANK OF THE LAKE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 35,533,000 | 34,645,000 | 35,179,000 | 39,572,000 |
| Total loans | 25,229,000 | 25,208,000 | 25,499,000 | 25,035,000 |
| Allowance for loan losses | 175,000 | 179,000 | 178,000 | 150,000 |
| Securities available for sale | 1,075,000 | 1,153,000 | 1,688,000 | 1,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,647,000 | 27,781,000 | 28,319,000 | 31,530,000 |
| Interest-bearing deposits | 21,379,000 | 22,010,000 | 5,661,000 | 25,286,000 |
| Noninterest-bearing deposits | 7,268,000 | 5,771,000 | 22,658,000 | 6,244,000 |
| Equity capital | 6,206,000 | 6,197,000 | 6,176,000 | 6,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 360,000 | 764,000 | 1,153,000 | 1,524,000 |
| Interest expense | 41,000 | 80,000 | 125,000 | 174,000 |
| Net interest income | 319,000 | 684,000 | 1,028,000 | 1,350,000 |
| Noninterest income | 73,000 | 150,000 | 217,000 | 379,000 |
| Noninterest expense | 320,000 | 732,000 | 1,136,000 | 1,516,000 |
| Provision for loan losses | 88,000 | 113,000 | 153,000 | 172,000 |
| Pretax income | 23,000 | 28,000 | -5,000 | 80,000 |
| Income tax | 2,000 | 11,000 | 0 | 31,000 |
| Net income | 21,000 | 17,000 | -5,000 | 48,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,308,000 | 5,300,000 | 5,069,000 | 4,902,000 |
| Total capital | 5,483,000 | 5,479,000 | 5,246,000 | 5,052,000 |
| Risk-weighted assets | 23,975,000 | 24,566,000 | 25,509,000 | 27,175,000 |