Call reports 2014
LAMONT BANK OF ST. JOHN — 2014
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 52,594,000 | 45,172,000 | 45,912,000 | 47,556,000 |
| Total loans | 7,789,000 | 9,175,000 | 7,567,000 | 7,553,000 |
| Allowance for loan losses | 200,000 | 192,000 | 208,000 | 193,000 |
| Securities available for sale | 29,583,000 | 29,717,000 | 29,794,000 | 30,968,000 |
| Securities held to maturity | 280,000 | 280,000 | 280,000 | 246,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,278,000 | 40,553,000 | 41,209,000 | 42,954,000 |
| Interest-bearing deposits | 35,781,000 | 30,132,000 | 29,200,000 | 29,449,000 |
| Noninterest-bearing deposits | 12,497,000 | 10,421,000 | 12,009,000 | 13,505,000 |
| Equity capital | 4,285,000 | 4,504,000 | 4,551,000 | 4,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 253,000 | 543,000 | 842,000 | 1,125,000 |
| Interest expense | 22,000 | 30,000 | 38,000 | 45,000 |
| Net interest income | 231,000 | 513,000 | 804,000 | 1,080,000 |
| Noninterest income | 0 | 1,000 | 1,000 | 1,000 |
| Noninterest expense | 150,000 | 291,000 | 467,000 | 618,000 |
| Provision for loan losses | 80,000 | 80,000 | 94,000 | 252,000 |
| Pretax income | 1,000 | 143,000 | 244,000 | 211,000 |
| Income tax | 0 | 42,000 | 76,000 | 85,000 |
| Net income | 1,000 | 101,000 | 168,000 | 126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,569,000 | 4,669,000 | 4,736,000 | 4,694,000 |
| Total capital | 4,769,000 | 4,861,000 | 4,944,000 | 4,887,000 |
| Risk-weighted assets | 19,522,000 | 18,400,000 | 17,342,000 | 15,510,000 |