Call reports 2004
LAMONT BANK OF ST. JOHN — 2004
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 23,851,000 | 22,545,000 | 23,996,000 | 24,891,000 |
| Total loans | 4,100,000 | 5,217,000 | 4,386,000 | 3,705,000 |
| Allowance for loan losses | 128,000 | 77,000 | 79,000 | 78,000 |
| Securities available for sale | 12,650,000 | 14,247,000 | 14,526,000 | 16,501,000 |
| Securities held to maturity | 1,085,000 | 1,085,000 | 1,085,000 | 825,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,473,000 | 19,622,000 | 20,706,000 | 21,769,000 |
| Interest-bearing deposits | 13,341,000 | 13,554,000 | 13,532,000 | 13,901,000 |
| Noninterest-bearing deposits | 7,132,000 | 6,068,000 | 7,174,000 | 7,868,000 |
| Equity capital | 3,288,000 | 2,915,000 | 3,196,000 | 3,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 173,000 | 333,000 | 520,000 | 726,000 |
| Interest expense | 49,000 | 100,000 | 151,000 | 206,000 |
| Net interest income | 124,000 | 233,000 | 369,000 | 520,000 |
| Noninterest income | 0 | 1,000 | 1,000 | 1,000 |
| Noninterest expense | 101,000 | 206,000 | 299,000 | 421,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 23,000 | 28,000 | 71,000 | 100,000 |
| Income tax | 2,000 | 2,000 | 8,000 | 10,000 |
| Net income | 21,000 | 26,000 | 63,000 | 90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,275,000 | 3,282,000 | 3,317,000 | 3,269,000 |
| Total capital | 3,378,000 | 3,359,000 | 3,396,000 | 3,347,000 |
| Risk-weighted assets | 8,239,000 | 8,971,000 | 8,905,000 | 8,413,000 |
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