Call reports 2022
FIRST BANK OF THE LAKE — 2022
What FIRST BANK OF THE LAKE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 535,422,000 | 493,608,000 | 488,358,000 | 537,950,000 |
| Total loans | 459,189,000 | 444,511,000 | 418,088,000 | 478,250,000 |
| Allowance for loan losses | 3,147,000 | 3,135,000 | 1,551,000 | 1,542,000 |
| Securities available for sale | 15,621,000 | 14,427,000 | 14,215,000 | 14,273,000 |
| Securities held to maturity | 1,338,000 | 1,352,000 | 1,366,000 | 1,380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,067,000 | 355,477,000 | 412,143,000 | 458,922,000 |
| Interest-bearing deposits | 328,957,000 | 330,316,000 | 394,124,000 | 439,589,000 |
| Noninterest-bearing deposits | 22,110,000 | 25,161,000 | 18,019,000 | 19,333,000 |
| Equity capital | 40,150,000 | 41,345,000 | 43,249,000 | 53,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 9,484,000 | 16,687,000 | 23,411,000 | 32,265,000 |
| Interest expense | 731,000 | 1,617,000 | 2,929,000 | 4,981,000 |
| Net interest income | 8,753,000 | 15,070,000 | 20,482,000 | 27,284,000 |
| Noninterest income | 948,000 | 2,230,000 | 4,383,000 | 5,378,000 |
| Noninterest expense | 5,862,000 | 11,458,000 | 17,447,000 | 23,072,000 |
| Provision for loan losses | 0 | 0 | -500,000 | -500,000 |
| Pretax income | 3,839,000 | 5,842,000 | 7,918,000 | 10,090,000 |
| Income tax | 9,000 | 14,000 | 16,000 | 17,000 |
| Net income | 3,830,000 | 5,828,000 | 7,902,000 | 10,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,140,000 | 39,304,000 | 40,870,000 | 50,799,000 |
| Total capital | 40,115,000 | 41,669,000 | 42,421,000 | 52,341,000 |
| Risk-weighted assets | 156,863,000 | 188,377,000 | 201,387,000 | 250,085,000 |