Call reports 2008
LAMONT BANK OF ST. JOHN — 2008
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 26,968,000 | 24,241,000 | 26,000,000 | 28,147,000 |
| Total loans | 3,884,000 | 4,987,000 | 4,698,000 | 3,800,000 |
| Allowance for loan losses | 98,000 | 102,000 | 96,000 | 109,000 |
| Securities available for sale | 18,966,000 | 17,438,000 | 17,227,000 | 19,957,000 |
| Securities held to maturity | 452,000 | 452,000 | 452,000 | 427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,820,000 | 20,521,000 | 21,968,000 | 24,041,000 |
| Interest-bearing deposits | 13,531,000 | 12,830,000 | 13,804,000 | 15,153,000 |
| Noninterest-bearing deposits | 9,289,000 | 7,691,000 | 8,164,000 | 8,888,000 |
| Equity capital | 3,799,000 | 3,573,000 | 3,856,000 | 3,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 306,000 | 611,000 | 939,000 | 1,231,000 |
| Interest expense | 94,000 | 183,000 | 277,000 | 383,000 |
| Net interest income | 212,000 | 428,000 | 662,000 | 848,000 |
| Noninterest income | 0 | 1,000 | 1,000 | 2,000 |
| Noninterest expense | 117,000 | 216,000 | 317,000 | 465,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 95,000 | 213,000 | 418,000 | 427,000 |
| Income tax | 30,000 | 70,000 | 136,000 | 138,000 |
| Net income | 65,000 | 143,000 | 282,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,492,000 | 3,570,000 | 3,845,000 | 3,641,000 |
| Total capital | 3,590,000 | 3,672,000 | 3,941,000 | 3,750,000 |
| Risk-weighted assets | 8,694,000 | 8,245,000 | 8,793,000 | 9,717,000 |