Call reports 2015
LAMONT BANK OF ST. JOHN — 2015
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 46,024,000 | 43,832,000 | 43,771,000 | 46,588,000 |
| Total loans | 7,813,000 | 10,413,000 | 10,126,000 | 8,749,000 |
| Allowance for loan losses | 176,000 | 195,000 | 200,000 | 277,000 |
| Securities available for sale | 33,951,000 | 29,214,000 | 28,412,000 | 27,776,000 |
| Securities held to maturity | 246,000 | 246,000 | 246,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,781,000 | 36,956,000 | 38,588,000 | 41,663,000 |
| Interest-bearing deposits | 29,015,000 | 27,308,000 | 27,580,000 | 28,468,000 |
| Noninterest-bearing deposits | 11,766,000 | 9,648,000 | 11,008,000 | 13,195,000 |
| Equity capital | 4,814,000 | 4,767,000 | 4,957,000 | 4,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 273,000 | 565,000 | 880,000 | 1,169,000 |
| Interest expense | 7,000 | 16,000 | 24,000 | 31,000 |
| Net interest income | 266,000 | 549,000 | 856,000 | 1,138,000 |
| Noninterest income | 1,000 | 1,000 | 1,000 | 4,000 |
| Noninterest expense | 150,000 | 292,000 | 458,000 | 662,000 |
| Provision for loan losses | 0 | 17,000 | 21,000 | 98,000 |
| Pretax income | 117,000 | 241,000 | 388,000 | 402,000 |
| Income tax | 24,000 | 75,000 | 128,000 | 130,000 |
| Net income | 93,000 | 166,000 | 260,000 | 272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,771,000 | 4,860,000 | 4,957,000 | 5,005,000 |
| Total capital | 4,947,000 | 5,001,000 | 5,157,000 | 5,219,000 |
| Risk-weighted assets | 14,793,000 | 11,264,000 | 17,580,000 | 17,080,000 |