Call reports 2014
FIRST BANK OF THE LAKE — 2014
What FIRST BANK OF THE LAKE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 39,792,000 | 47,420,000 | 46,969,000 | 46,339,000 |
| Total loans | 26,104,000 | 32,901,000 | 32,503,000 | 30,574,000 |
| Allowance for loan losses | 180,000 | 233,000 | 765,000 | 550,000 |
| Securities available for sale | 2,307,000 | 1,966,000 | 2,212,000 | 2,215,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,838,000 | 38,497,000 | 38,755,000 | 37,784,000 |
| Interest-bearing deposits | 26,175,000 | 29,691,000 | 30,382,000 | 27,901,000 |
| Noninterest-bearing deposits | 5,663,000 | 8,806,000 | 8,373,000 | 9,883,000 |
| Equity capital | 6,237,000 | 6,209,000 | 5,577,000 | 6,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 448,000 | 849,000 | 1,247,000 | 1,697,000 |
| Interest expense | 52,000 | 107,000 | 168,000 | 234,000 |
| Net interest income | 396,000 | 742,000 | 1,079,000 | 1,463,000 |
| Noninterest income | 149,000 | 420,000 | 948,000 | 970,000 |
| Noninterest expense | 451,000 | 1,008,000 | 1,580,000 | 1,956,000 |
| Provision for loan losses | 38,000 | 75,000 | 1,102,000 | 590,000 |
| Pretax income | 56,000 | 79,000 | -655,000 | -113,000 |
| Income tax | 10,000 | 87,000 | 0 | 0 |
| Net income | 21,000 | -16,000 | -647,000 | -85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,816,000 | 4,895,000 | 4,227,000 | 4,834,000 |
| Total capital | 5,996,000 | 5,128,000 | 4,519,000 | 5,066,000 |
| Risk-weighted assets | 27,632,000 | 31,712,000 | 33,051,000 | 24,539,000 |