Call reports 2021
LAMONT BANK OF ST. JOHN — 2021
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 64,335,000 | 62,342,000 | 69,331,000 | 69,111,000 |
| Total loans | 30,689,000 | 33,851,000 | 32,772,000 | 30,840,000 |
| Allowance for loan losses | 494,000 | 525,000 | 538,000 | 539,000 |
| Securities available for sale | 20,997,000 | 22,858,000 | 22,383,000 | 27,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,765,000 | 53,375,000 | 59,996,000 | 59,797,000 |
| Interest-bearing deposits | 35,729,000 | 34,941,000 | 37,260,000 | 37,108,000 |
| Noninterest-bearing deposits | 20,036,000 | 18,434,000 | 22,736,000 | 22,689,000 |
| Equity capital | 8,291,000 | 8,536,000 | 8,853,000 | 8,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 577,000 | 1,223,000 | 1,904,000 | 2,474,000 |
| Interest expense | 36,000 | 57,000 | 80,000 | 103,000 |
| Net interest income | 541,000 | 1,166,000 | 1,824,000 | 2,371,000 |
| Noninterest income | 12,000 | 22,000 | 34,000 | 53,000 |
| Noninterest expense | 208,000 | 417,000 | 645,000 | 975,000 |
| Provision for loan losses | 0 | 31,000 | 83,000 | 83,000 |
| Pretax income | 345,000 | 740,000 | 1,130,000 | 1,366,000 |
| Income tax | 68,000 | 146,000 | 223,000 | 268,000 |
| Net income | 277,000 | 594,000 | 907,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,027,000 | 8,214,000 | 8,527,000 | 8,718,000 |
| Total capital | — | — | 9,065,000 | — |
| Risk-weighted assets | — | — | 45,345,000 | — |