Call reports 2016
LAMONT BANK OF ST. JOHN — 2016
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 44,891,000 | 42,932,000 | 42,850,000 | 45,336,000 |
| Total loans | 9,359,000 | 11,804,000 | 12,609,000 | 11,492,000 |
| Allowance for loan losses | 273,000 | 273,000 | 306,000 | 306,000 |
| Securities available for sale | 28,257,000 | 25,696,000 | 23,612,000 | 28,328,000 |
| Securities held to maturity | 210,000 | 210,000 | 210,000 | 172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,756,000 | 37,412,000 | 37,224,000 | 40,226,000 |
| Interest-bearing deposits | 27,778,000 | 27,605,000 | 26,895,000 | 28,013,000 |
| Noninterest-bearing deposits | 11,978,000 | 9,807,000 | 10,329,000 | 12,213,000 |
| Equity capital | 5,021,000 | 5,287,000 | 5,353,000 | 5,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 309,000 | 673,000 | 998,000 | 1,336,000 |
| Interest expense | 14,000 | 32,000 | 49,000 | 66,000 |
| Net interest income | 295,000 | 641,000 | 949,000 | 1,270,000 |
| Noninterest income | 1,000 | 3,000 | 5,000 | 9,000 |
| Noninterest expense | 149,000 | 300,000 | 446,000 | 618,000 |
| Provision for loan losses | 0 | 0 | 33,000 | 33,000 |
| Pretax income | 150,000 | 372,000 | 537,000 | 678,000 |
| Income tax | 34,000 | 112,000 | 156,000 | 180,000 |
| Net income | 116,000 | 260,000 | 381,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,006,000 | 5,081,000 | 5,230,000 | 5,389,000 |
| Total capital | 5,225,000 | 5,319,000 | 5,469,000 | 5,643,000 |
| Risk-weighted assets | 17,505,000 | 18,873,000 | 19,082,000 | 20,297,000 |