Call reports 2018
FIRST BANK OF THE LAKE — 2018
What FIRST BANK OF THE LAKE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 69,038,000 | 74,615,000 | 78,693,000 | 81,762,000 |
| Total loans | 45,981,000 | 46,888,000 | 55,401,000 | 64,768,000 |
| Allowance for loan losses | 459,000 | 510,000 | 601,000 | 681,000 |
| Securities available for sale | 5,052,000 | 5,015,000 | 4,985,000 | 5,030,000 |
| Securities held to maturity | 0 | 1,100,000 | 1,119,000 | 1,136,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,399,000 | 66,822,000 | 70,250,000 | 73,031,000 |
| Interest-bearing deposits | 56,481,000 | 61,295,000 | 63,357,000 | 64,167,000 |
| Noninterest-bearing deposits | 4,918,000 | 5,527,000 | 6,893,000 | 8,864,000 |
| Equity capital | 7,268,000 | 7,378,000 | 7,919,000 | 8,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 842,000 | 1,756,000 | 2,911,000 | 4,112,000 |
| Interest expense | 178,000 | 384,000 | 629,000 | 904,000 |
| Net interest income | 664,000 | 1,372,000 | 2,282,000 | 3,208,000 |
| Noninterest income | 200,000 | 410,000 | 1,039,000 | 1,084,000 |
| Noninterest expense | 606,000 | 1,250,000 | 1,911,000 | 2,571,000 |
| Provision for loan losses | 50,000 | 100,000 | 190,000 | 270,000 |
| Pretax income | 208,000 | 432,000 | 1,220,000 | 1,451,000 |
| Income tax | 86,000 | 86,000 | 86,000 | 86,000 |
| Net income | 122,000 | 346,000 | 1,134,000 | 1,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,126,000 | 6,240,000 | 6,765,000 | 7,011,000 |
| Total capital | 6,522,000 | 6,640,000 | 7,213,000 | 7,492,000 |
| Risk-weighted assets | 31,627,000 | 31,965,000 | 35,728,000 | 38,313,000 |