Call reports 2007
LAMONT BANK OF ST. JOHN — 2007
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 22,547,000 | 22,439,000 | 25,592,000 | 27,545,000 |
| Total loans | 4,093,000 | 5,685,000 | 4,244,000 | 3,542,000 |
| Allowance for loan losses | 83,000 | 91,000 | 93,000 | 100,000 |
| Securities available for sale | 14,222,000 | 14,182,000 | 16,619,000 | 15,295,000 |
| Securities held to maturity | 761,000 | 761,000 | 761,000 | 452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,089,000 | 18,374,000 | 21,887,000 | 23,914,000 |
| Interest-bearing deposits | 12,223,000 | 11,358,000 | 12,327,000 | 12,987,000 |
| Noninterest-bearing deposits | 6,866,000 | 7,016,000 | 9,560,000 | 10,927,000 |
| Equity capital | 3,297,000 | 3,339,000 | 3,478,000 | 3,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 264,000 | 552,000 | 872,000 | 1,181,000 |
| Interest expense | 84,000 | 165,000 | 255,000 | 352,000 |
| Net interest income | 180,000 | 387,000 | 617,000 | 829,000 |
| Noninterest income | 0 | 1,000 | 1,000 | 2,000 |
| Noninterest expense | 107,000 | 200,000 | 331,000 | 536,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 73,000 | 188,000 | 287,000 | 285,000 |
| Income tax | 22,000 | 59,000 | 98,000 | 75,000 |
| Net income | 51,000 | 129,000 | 189,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,333,000 | 3,411,000 | 3,471,000 | 3,417,000 |
| Total capital | 3,416,000 | 3,502,000 | 3,564,000 | 3,517,000 |
| Risk-weighted assets | 8,276,000 | 9,451,000 | 9,106,000 | 8,577,000 |