Call reports 2017
LAMONT BANK OF ST. JOHN — 2017
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 45,405,000 | 43,220,000 | 47,570,000 | 48,534,000 |
| Total loans | 12,886,000 | 14,883,000 | 14,685,000 | 14,794,000 |
| Allowance for loan losses | 302,000 | 317,000 | 315,000 | 316,000 |
| Securities available for sale | 29,149,000 | 27,120,000 | 25,946,000 | 31,323,000 |
| Securities held to maturity | 172,000 | 172,000 | 172,000 | 132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,092,000 | 36,935,000 | 41,666,000 | 42,882,000 |
| Interest-bearing deposits | 28,123,000 | 26,482,000 | 29,271,000 | 28,787,000 |
| Noninterest-bearing deposits | 11,969,000 | 10,453,000 | 12,395,000 | 14,095,000 |
| Equity capital | 5,219,000 | 5,435,000 | 5,658,000 | 5,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 373,000 | 761,000 | 1,174,000 | 1,580,000 |
| Interest expense | 34,000 | 69,000 | 106,000 | 143,000 |
| Net interest income | 339,000 | 692,000 | 1,068,000 | 1,437,000 |
| Noninterest income | 1,000 | 5,000 | 8,000 | 18,000 |
| Noninterest expense | 143,000 | 293,000 | 458,000 | 640,000 |
| Provision for loan losses | 0 | 13,000 | 13,000 | 13,000 |
| Pretax income | 202,000 | 396,000 | 616,000 | 812,000 |
| Income tax | 54,000 | 121,000 | 188,000 | 217,000 |
| Net income | 148,000 | 275,000 | 428,000 | 595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,487,000 | 5,613,000 | 5,766,000 | 5,934,000 |
| Total capital | 5,758,000 | 5,909,000 | 6,078,000 | 6,246,000 |
| Risk-weighted assets | 21,651,000 | 23,673,000 | 24,960,000 | 24,980,000 |