Call reports 2022
LAMONT BANK OF ST. JOHN — 2022
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 66,957,000 | 67,295,000 | 67,279,000 | 68,489,000 |
| Total loans | 33,161,000 | 36,851,000 | 37,829,000 | 38,630,000 |
| Allowance for loan losses | 445,000 | 431,000 | 393,000 | 426,000 |
| Securities available for sale | 29,167,000 | 27,723,000 | 26,609,000 | 26,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,821,000 | 55,269,000 | 57,976,000 | 58,241,000 |
| Interest-bearing deposits | 37,440,000 | 35,050,000 | 34,963,000 | 35,096,000 |
| Noninterest-bearing deposits | 21,381,000 | 20,219,000 | 23,013,000 | 23,145,000 |
| Equity capital | 7,861,000 | 7,441,000 | 7,226,000 | 6,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 597,000 | 1,257,000 | 1,971,000 | 2,704,000 |
| Interest expense | 23,000 | 53,000 | 141,000 | 323,000 |
| Net interest income | 574,000 | 1,204,000 | 1,830,000 | 2,381,000 |
| Noninterest income | 12,000 | 23,000 | 40,000 | 61,000 |
| Noninterest expense | 223,000 | 445,000 | 697,000 | 998,000 |
| Provision for loan losses | 0 | 0 | 0 | 789,000 |
| Pretax income | 363,000 | 782,000 | 1,173,000 | 655,000 |
| Income tax | 71,000 | 155,000 | 232,000 | 279,000 |
| Net income | 292,000 | 627,000 | 941,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,808,000 | 9,144,000 | 9,458,000 | 8,895,000 |