Call reports 2019
LAMONT BANK OF ST. JOHN — 2019
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 48,932,000 | 49,733,000 | 50,907,000 | 52,520,000 |
| Total loans | 18,710,000 | 21,646,000 | 23,371,000 | 23,581,000 |
| Allowance for loan losses | 325,000 | 195,000 | 260,000 | 260,000 |
| Securities available for sale | 27,360,000 | 24,685,000 | 24,735,000 | 25,068,000 |
| Securities held to maturity | 90,000 | 90,000 | 90,000 | 46,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,484,000 | 40,497,000 | 41,553,000 | 44,986,000 |
| Interest-bearing deposits | 29,310,000 | 28,556,000 | 28,605,000 | 29,658,000 |
| Noninterest-bearing deposits | 13,174,000 | 11,941,000 | 12,948,000 | 15,328,000 |
| Equity capital | 6,331,000 | 6,914,000 | 7,059,000 | 7,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 991,000 | 1,471,000 | 2,094,000 |
| Interest expense | 74,000 | 154,000 | 252,000 | 328,000 |
| Net interest income | 407,000 | 837,000 | 1,219,000 | 1,766,000 |
| Noninterest income | 5,000 | 14,000 | 24,000 | 39,000 |
| Noninterest expense | 171,000 | 337,000 | 549,000 | 795,000 |
| Provision for loan losses | 0 | 0 | 144,000 | 144,000 |
| Pretax income | 241,000 | 514,000 | 572,000 | 878,000 |
| Income tax | 43,000 | 92,000 | 102,000 | 150,000 |
| Net income | 198,000 | 422,000 | 470,000 | 728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,591,000 | 6,814,000 | 6,907,000 | 7,174,000 |
| Total capital | 6,916,000 | 7,009,000 | 7,167,000 | 7,434,000 |
| Risk-weighted assets | 26,186,000 | 28,705,000 | 30,771,000 | 32,016,000 |