Call reports 2016
FIRST BANK OF THE LAKE — 2016
What FIRST BANK OF THE LAKE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 58,127,000 | 56,657,000 | 57,640,000 | 60,067,000 |
| Total loans | 41,752,000 | 40,139,000 | 37,563,000 | 39,311,000 |
| Allowance for loan losses | 396,000 | 404,000 | 405,000 | 392,000 |
| Securities available for sale | 1,249,000 | 1,001,000 | 985,000 | 621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,725,000 | 50,105,000 | 50,875,000 | 53,219,000 |
| Interest-bearing deposits | 45,147,000 | 44,718,000 | 45,325,000 | 47,175,000 |
| Noninterest-bearing deposits | 6,578,000 | 5,387,000 | 5,550,000 | 6,044,000 |
| Equity capital | 6,258,000 | 6,406,000 | 6,584,000 | 6,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 541,000 | 1,099,000 | 1,627,000 | 2,165,000 |
| Interest expense | 106,000 | 219,000 | 333,000 | 453,000 |
| Net interest income | 435,000 | 880,000 | 1,294,000 | 1,712,000 |
| Noninterest income | 41,000 | 286,000 | 567,000 | 620,000 |
| Noninterest expense | 474,000 | 974,000 | 1,434,000 | 1,906,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,000 | 192,000 | 427,000 | 426,000 |
| Income tax | 0 | 46,000 | 102,000 | 27,000 |
| Net income | 2,000 | 146,000 | 325,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,029,000 | 5,228,000 | 5,471,000 | 5,628,000 |
| Total capital | 5,375,000 | 5,559,000 | 5,803,000 | 5,970,000 |
| Risk-weighted assets | 27,627,000 | 26,365,000 | 26,532,000 | 27,384,000 |