Call reports 2011
LAMONT BANK OF ST. JOHN — 2011
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 46,716,000 | 46,198,000 | 47,076,000 | 48,740,000 |
| Total loans | 5,560,000 | 7,737,000 | 7,330,000 | 6,144,000 |
| Allowance for loan losses | 99,000 | 97,000 | 123,000 | 141,000 |
| Securities available for sale | 35,868,000 | 17,471,000 | 25,118,000 | 31,189,000 |
| Securities held to maturity | 373,000 | 373,000 | 373,000 | 344,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,202,000 | 41,541,000 | 42,379,000 | 44,352,000 |
| Interest-bearing deposits | 31,747,000 | 31,505,000 | 30,548,000 | 32,217,000 |
| Noninterest-bearing deposits | 10,456,000 | 10,036,000 | 11,831,000 | 12,135,000 |
| Equity capital | 4,222,000 | 4,452,000 | 4,434,000 | 4,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 381,000 | 837,000 | 1,107,000 | 1,370,000 |
| Interest expense | 77,000 | 157,000 | 209,000 | 249,000 |
| Net interest income | 304,000 | 680,000 | 898,000 | 1,121,000 |
| Noninterest income | 0 | 1,000 | 1,000 | 2,000 |
| Noninterest expense | 141,000 | 244,000 | 375,000 | 526,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 65,000 |
| Pretax income | 163,000 | 437,000 | 499,000 | 532,000 |
| Income tax | 52,000 | 145,000 | 139,000 | 162,000 |
| Net income | 111,000 | 292,000 | 360,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,021,000 | 4,202,000 | 4,270,000 | 4,204,000 |
| Total capital | 4,120,000 | 4,299,000 | 4,393,000 | 4,345,000 |
| Risk-weighted assets | 15,502,000 | 16,228,000 | 15,230,000 | 14,660,000 |