Call reports 2019
FIRST BANK OF THE LAKE — 2019
What FIRST BANK OF THE LAKE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 91,000,000 | 106,802,000 | 110,974,000 | 114,639,000 |
| Total loans | 62,543,000 | 66,404,000 | 63,490,000 | 63,615,000 |
| Allowance for loan losses | 680,000 | 644,000 | 770,000 | 736,000 |
| Securities available for sale | 5,089,000 | 5,154,000 | 5,165,000 | 20,113,000 |
| Securities held to maturity | 1,152,000 | 1,168,000 | 1,185,000 | 1,201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,082,000 | 96,716,000 | 100,523,000 | 101,926,000 |
| Interest-bearing deposits | 73,573,000 | 89,190,000 | 91,838,000 | 95,581,000 |
| Noninterest-bearing deposits | 8,509,000 | 7,526,000 | 8,685,000 | 6,345,000 |
| Equity capital | 8,284,000 | 9,446,000 | 9,654,000 | 11,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,259,000 | 2,671,000 | 4,103,000 | 5,528,000 |
| Interest expense | 342,000 | 811,000 | 1,364,000 | 1,933,000 |
| Net interest income | 917,000 | 1,860,000 | 2,739,000 | 3,595,000 |
| Noninterest income | 390,000 | 875,000 | 1,083,000 | 1,959,000 |
| Noninterest expense | 771,000 | 1,524,000 | 2,314,000 | 3,472,000 |
| Provision for loan losses | 150,000 | 300,000 | 425,000 | 475,000 |
| Pretax income | 386,000 | 911,000 | 1,083,000 | 1,607,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 386,000 | 911,000 | 1,083,000 | 1,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,989,000 | 8,027,000 | 8,222,000 | 10,146,000 |
| Total capital | 7,495,000 | 8,579,000 | 8,761,000 | 10,717,000 |
| Risk-weighted assets | 40,367,000 | 44,134,000 | 42,910,000 | 45,527,000 |