Call reports 2015
FIRST BANK OF THE LAKE — 2015
What FIRST BANK OF THE LAKE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 56,597,000 | 57,051,000 | 57,002,000 | 59,848,000 |
| Total loans | 32,643,000 | 30,538,000 | 38,858,000 | 38,048,000 |
| Allowance for loan losses | 550,000 | 446,000 | 374,000 | 391,000 |
| Securities available for sale | 2,214,000 | 1,359,000 | 1,356,000 | 1,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,193,000 | 50,626,000 | 50,521,000 | 53,410,000 |
| Interest-bearing deposits | 33,944,000 | 41,117,000 | 42,283,000 | 44,147,000 |
| Noninterest-bearing deposits | 14,249,000 | 9,509,000 | 8,238,000 | 9,263,000 |
| Equity capital | 6,172,000 | 6,223,000 | 6,253,000 | 6,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 420,000 | 909,000 | 1,386,000 | 1,872,000 |
| Interest expense | 68,000 | 152,000 | 241,000 | 339,000 |
| Net interest income | 352,000 | 757,000 | 1,145,000 | 1,533,000 |
| Noninterest income | 166,000 | 276,000 | 332,000 | 462,000 |
| Noninterest expense | 491,000 | 1,003,000 | 1,524,000 | 2,031,000 |
| Provision for loan losses | -1,000 | -91,000 | -186,000 | -186,000 |
| Pretax income | 28,000 | 121,000 | 139,000 | 150,000 |
| Income tax | 9,000 | 43,000 | 34,000 | 36,000 |
| Net income | 28,000 | 82,000 | 109,000 | 118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,917,000 | 5,008,000 | 5,031,000 | 5,039,000 |
| Total capital | 5,284,000 | 5,320,000 | 5,352,000 | 5,349,000 |
| Risk-weighted assets | 29,192,000 | 24,732,000 | 25,594,000 | 24,627,000 |