Call reports 2012
LAMONT BANK OF ST. JOHN — 2012
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 49,688,000 | 47,130,000 | 51,597,000 | 52,958,000 |
| Total loans | 6,481,000 | 8,443,000 | 6,308,000 | 6,219,000 |
| Allowance for loan losses | 142,000 | 141,000 | 143,000 | 150,000 |
| Securities available for sale | 34,470,000 | 32,091,000 | 30,816,000 | 28,249,000 |
| Securities held to maturity | 344,000 | 344,000 | 344,000 | 313,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,207,000 | 42,373,000 | 46,780,000 | 48,334,000 |
| Interest-bearing deposits | 33,571,000 | 31,713,000 | 32,292,000 | 33,034,000 |
| Noninterest-bearing deposits | 11,636,000 | 10,660,000 | 14,488,000 | 15,300,000 |
| Equity capital | 4,294,000 | 4,496,000 | 4,506,000 | 4,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 209,000 | 512,000 | 749,000 | 940,000 |
| Interest expense | 41,000 | 82,000 | 122,000 | 164,000 |
| Net interest income | 168,000 | 430,000 | 627,000 | 776,000 |
| Noninterest income | 0 | 0 | 1,000 | 2,000 |
| Noninterest expense | 107,000 | 245,000 | 377,000 | 507,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 61,000 | 185,000 | 251,000 | 241,000 |
| Income tax | 19,000 | 60,000 | 82,000 | 84,000 |
| Net income | 42,000 | 125,000 | 169,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,246,000 | 4,329,000 | 4,373,000 | 4,287,000 |
| Total capital | 4,388,000 | 4,470,000 | 4,516,000 | 4,437,000 |
| Risk-weighted assets | 16,495,000 | 17,967,000 | 16,957,000 | 16,991,000 |