Call reports 2009
LAMONT BANK OF ST. JOHN — 2009
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 28,173,000 | 29,287,000 | 30,680,000 | 37,643,000 |
| Total loans | 4,297,000 | 5,790,000 | 5,873,000 | 4,089,000 |
| Allowance for loan losses | 110,000 | 105,000 | 72,000 | 74,000 |
| Securities available for sale | 18,961,000 | 20,228,000 | 19,492,000 | 25,227,000 |
| Securities held to maturity | 427,000 | 427,000 | 427,000 | 401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,888,000 | 24,917,000 | 25,967,000 | 33,172,000 |
| Interest-bearing deposits | 16,394,000 | 17,727,000 | 18,925,000 | 23,520,000 |
| Noninterest-bearing deposits | 7,494,000 | 7,190,000 | 7,042,000 | 9,652,000 |
| Equity capital | 3,956,000 | 4,072,000 | 4,200,000 | 4,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 310,000 | 631,000 | 1,072,000 | 1,292,000 |
| Interest expense | 108,000 | 225,000 | 352,000 | 491,000 |
| Net interest income | 202,000 | 406,000 | 720,000 | 801,000 |
| Noninterest income | 0 | 1,000 | 2,000 | 2,000 |
| Noninterest expense | 131,000 | 252,000 | 414,000 | 560,000 |
| Provision for loan losses | 0 | 0 | 86,000 | 86,000 |
| Pretax income | 71,000 | 155,000 | 222,000 | 270,000 |
| Income tax | 22,000 | 48,000 | 68,000 | 10,000 |
| Net income | 49,000 | 107,000 | 154,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,694,000 | 3,758,000 | 3,805,000 | 3,755,000 |
| Total capital | 3,768,000 | 3,863,000 | 3,877,000 | 3,829,000 |
| Risk-weighted assets | 7,404,000 | 11,510,000 | 11,919,000 | 12,050,000 |