Call reports 2003
LAMONT BANK OF ST. JOHN — 2003
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 22,056,000 | 21,342,000 | 22,435,000 | 22,675,000 |
| Total loans | 4,061,000 | 5,684,000 | 5,170,000 | 3,584,000 |
| Allowance for loan losses | 76,000 | 77,000 | 88,000 | 127,000 |
| Securities available for sale | 10,894,000 | 12,638,000 | 11,584,000 | 14,452,000 |
| Securities held to maturity | 1,335,000 | 1,335,000 | 1,335,000 | 1,085,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,651,000 | 17,307,000 | 18,968,000 | 19,514,000 |
| Interest-bearing deposits | 13,108,000 | 12,090,000 | 11,599,000 | 12,472,000 |
| Noninterest-bearing deposits | 5,543,000 | 5,217,000 | 7,369,000 | 7,042,000 |
| Equity capital | 3,296,000 | 3,327,000 | 3,356,000 | 3,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 183,000 | 361,000 | 542,000 | 707,000 |
| Interest expense | 58,000 | 113,000 | 161,000 | 207,000 |
| Net interest income | 125,000 | 248,000 | 381,000 | 500,000 |
| Noninterest income | 0 | 0 | 1,000 | 1,000 |
| Noninterest expense | 105,000 | 193,000 | 281,000 | 408,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 50,000 |
| Pretax income | 20,000 | 55,000 | 91,000 | 43,000 |
| Income tax | 2,000 | 5,000 | 8,000 | -3,000 |
| Net income | 18,000 | 50,000 | 83,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,301,000 | 3,333,000 | 3,366,000 | 3,254,000 |
| Total capital | 3,377,000 | 3,410,000 | 3,454,000 | 3,353,000 |
| Risk-weighted assets | 8,248,000 | 9,415,000 | 9,237,000 | 7,884,000 |
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