Call reports 2002
LAMONT BANK OF ST. JOHN — 2002
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 20,264,000 | 19,984,000 | 22,991,000 | 22,769,000 |
| Total loans | 4,091,000 | 5,678,000 | 4,638,000 | 3,681,000 |
| Allowance for loan losses | 94,000 | 92,000 | 93,000 | 75,000 |
| Securities available for sale | 10,116,000 | 9,997,000 | 9,027,000 | 13,978,000 |
| Securities held to maturity | 1,555,000 | 1,555,000 | 1,555,000 | 1,335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,829,000 | 16,484,000 | 19,426,000 | 19,440,000 |
| Interest-bearing deposits | 10,756,000 | 11,133,000 | 12,352,000 | 13,246,000 |
| Noninterest-bearing deposits | 6,073,000 | 5,351,000 | 7,074,000 | 6,194,000 |
| Equity capital | 3,345,000 | 3,458,000 | 3,443,000 | 3,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 212,000 | 429,000 | 647,000 | 834,000 |
| Interest expense | 85,000 | 168,000 | 255,000 | 354,000 |
| Net interest income | 127,000 | 261,000 | 392,000 | 480,000 |
| Noninterest income | 0 | 1,000 | 1,000 | 2,000 |
| Noninterest expense | 113,000 | 230,000 | 333,000 | 456,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 14,000 | 32,000 | 60,000 | 26,000 |
| Income tax | 0 | 0 | 2,000 | -8,000 |
| Net income | 14,000 | 32,000 | 58,000 | 34,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,361,000 | 3,379,000 | 3,407,000 | 3,283,000 |
| Total capital | 3,448,000 | 3,471,000 | 3,500,000 | 3,358,000 |
| Risk-weighted assets | 6,936,000 | 9,389,000 | 9,038,000 | 8,068,000 |
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