Call reports 2020
LAMONT BANK OF ST. JOHN — 2020
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 54,278,000 | 53,819,000 | 55,815,000 | 62,561,000 |
| Total loans | 27,610,000 | 31,199,000 | 33,283,000 | 28,522,000 |
| Allowance for loan losses | 271,000 | 284,000 | 311,000 | 443,000 |
| Securities available for sale | 22,152,000 | 18,581,000 | 15,969,000 | 15,118,000 |
| Securities held to maturity | 46,000 | 46,000 | 46,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,703,000 | 42,884,000 | 46,163,000 | 53,973,000 |
| Interest-bearing deposits | 30,199,000 | 29,966,000 | 30,582,000 | 32,821,000 |
| Noninterest-bearing deposits | 14,504,000 | 12,918,000 | 15,581,000 | 21,152,000 |
| Equity capital | 6,938,000 | 7,640,000 | 7,991,000 | 8,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,170,000 | 1,785,000 | 2,337,000 |
| Interest expense | 75,000 | 127,000 | 167,000 | 208,000 |
| Net interest income | 477,000 | 1,043,000 | 1,618,000 | 2,129,000 |
| Noninterest income | 11,000 | 19,000 | 27,000 | 41,000 |
| Noninterest expense | 187,000 | 383,000 | 572,000 | 872,000 |
| Provision for loan losses | 586,000 | 586,000 | 611,000 | 618,000 |
| Pretax income | -259,000 | 127,000 | 496,000 | 714,000 |
| Income tax | 0 | 12,000 | 85,000 | 126,000 |
| Net income | -259,000 | 115,000 | 411,000 | 588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,878,000 | 7,251,000 | 7,547,000 | 7,724,000 |
| Total capital | 7,149,000 | — | — | — |
| Risk-weighted assets | 35,932,000 | — | — | — |