Call reports 2005
LAMONT BANK OF ST. JOHN — 2005
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 24,255,000 | 23,533,000 | 24,482,000 | 26,495,000 |
| Total loans | 3,609,000 | 4,835,000 | 4,144,000 | 3,639,000 |
| Allowance for loan losses | 105,000 | 47,000 | 48,000 | 59,000 |
| Securities available for sale | 16,326,000 | 16,062,000 | 15,991,000 | 16,913,000 |
| Securities held to maturity | 825,000 | 825,000 | 825,000 | 1,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,278,000 | 20,446,000 | 21,350,000 | 23,527,000 |
| Interest-bearing deposits | 14,442,000 | 14,158,000 | 13,443,000 | 14,786,000 |
| Noninterest-bearing deposits | 6,836,000 | 6,288,000 | 7,907,000 | 8,741,000 |
| Equity capital | 2,917,000 | 3,049,000 | 3,032,000 | 2,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 191,000 | 387,000 | 608,000 | 838,000 |
| Interest expense | 61,000 | 123,000 | 196,000 | 268,000 |
| Net interest income | 130,000 | 264,000 | 412,000 | 570,000 |
| Noninterest income | 0 | 0 | 1,000 | 1,000 |
| Noninterest expense | 132,000 | 242,000 | 346,000 | 468,000 |
| Provision for loan losses | 30,000 | 120,000 | 120,000 | 130,000 |
| Pretax income | -32,000 | -98,000 | -53,000 | -27,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -32,000 | -98,000 | -53,000 | -27,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,237,000 | 3,170,000 | 3,216,000 | 3,205,000 |
| Total capital | 3,340,000 | 3,217,000 | 3,264,000 | 3,264,000 |
| Risk-weighted assets | 8,264,000 | 9,047,000 | 8,755,000 | 8,715,000 |
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