Call reports 2010
LAMONT BANK OF ST. JOHN — 2010
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 39,015,000 | 38,238,000 | 43,003,000 | 45,640,000 |
| Total loans | 4,852,000 | 6,558,000 | 5,452,000 | 5,448,000 |
| Allowance for loan losses | 74,000 | 86,000 | 94,000 | 95,000 |
| Securities available for sale | 29,405,000 | 28,066,000 | 29,059,000 | 34,489,000 |
| Securities held to maturity | 401,000 | 401,000 | 401,000 | 373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,559,000 | 33,696,000 | 38,352,000 | 41,289,000 |
| Interest-bearing deposits | 26,333,000 | 26,658,000 | 28,474,000 | 29,653,000 |
| Noninterest-bearing deposits | 8,226,000 | 7,038,000 | 9,878,000 | 11,636,000 |
| Equity capital | 4,023,000 | 4,178,000 | 4,167,000 | 4,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 308,000 | 658,000 | 972,000 | 1,374,000 |
| Interest expense | 137,000 | 270,000 | 397,000 | 497,000 |
| Net interest income | 171,000 | 388,000 | 575,000 | 877,000 |
| Noninterest income | 1,000 | 1,000 | 2,000 | 3,000 |
| Noninterest expense | 118,000 | 236,000 | 355,000 | 527,000 |
| Provision for loan losses | 0 | 10,000 | 55,000 | 117,000 |
| Pretax income | 54,000 | 143,000 | 167,000 | 236,000 |
| Income tax | 15,000 | 43,000 | 47,000 | 85,000 |
| Net income | 39,000 | 100,000 | 120,000 | 151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,794,000 | 3,866,000 | 3,886,000 | 3,910,000 |
| Total capital | 3,868,000 | 3,952,000 | 3,980,000 | 4,005,000 |
| Risk-weighted assets | 12,519,000 | 13,745,000 | 14,564,000 | 15,048,000 |