Call reports 2013
LAMONT BANK OF ST. JOHN — 2013
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 53,798,000 | 49,271,000 | 51,625,000 | 52,499,000 |
| Total loans | 6,943,000 | 9,757,000 | 8,305,000 | 7,854,000 |
| Allowance for loan losses | 151,000 | 151,000 | 149,000 | 128,000 |
| Securities available for sale | 38,023,000 | 35,287,000 | 35,384,000 | 38,774,000 |
| Securities held to maturity | 313,000 | 313,000 | 313,000 | 280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,089,000 | 45,031,000 | 47,351,000 | 48,445,000 |
| Interest-bearing deposits | 35,670,000 | 33,359,000 | 33,560,000 | 34,415,000 |
| Noninterest-bearing deposits | 13,419,000 | 11,672,000 | 13,792,000 | 14,030,000 |
| Equity capital | 4,476,000 | 4,165,000 | 4,110,000 | 4,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 222,000 | 501,000 | 805,000 | 1,112,000 |
| Interest expense | 43,000 | 86,000 | 129,000 | 166,000 |
| Net interest income | 179,000 | 415,000 | 676,000 | 946,000 |
| Noninterest income | 1,000 | 1,000 | 2,000 | 3,000 |
| Noninterest expense | 118,000 | 228,000 | 365,000 | 516,000 |
| Provision for loan losses | 0 | 0 | 0 | 55,000 |
| Pretax income | 62,000 | 188,000 | 313,000 | 378,000 |
| Income tax | 18,000 | 61,000 | 102,000 | 96,000 |
| Net income | 44,000 | 127,000 | 211,000 | 282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,330,000 | 4,414,000 | 4,498,000 | 4,568,000 |
| Total capital | 4,481,000 | 4,565,000 | 4,647,000 | 4,696,000 |
| Risk-weighted assets | 18,234,000 | 19,857,000 | 19,743,000 | 20,026,000 |