Call reports 2023
LAMONT BANK OF ST. JOHN — 2023
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 68,993,000 | 71,965,000 | 72,683,000 | 67,276,000 |
| Total loans | 42,825,000 | 46,323,000 | 46,190,000 | 41,156,000 |
| Allowance for loan losses | 710,000 | 788,000 | 711,000 | 1,706,000 |
| Securities available for sale | 23,504,000 | 22,973,000 | 22,383,000 | 22,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,835,000 | 51,784,000 | 52,052,000 | 52,810,000 |
| Interest-bearing deposits | 36,029,000 | 33,903,000 | 34,122,000 | 35,389,000 |
| Noninterest-bearing deposits | 20,806,000 | 17,881,000 | 17,930,000 | 17,421,000 |
| Equity capital | 6,825,000 | 6,904,000 | 6,835,000 | 5,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 684,000 | 1,504,000 | 2,435,000 | 3,317,000 |
| Interest expense | 317,000 | 601,000 | 1,093,000 | 1,568,000 |
| Net interest income | 367,000 | 903,000 | 1,342,000 | 1,749,000 |
| Noninterest income | 28,000 | 41,000 | 63,000 | 93,000 |
| Noninterest expense | 267,000 | 544,000 | 810,000 | 1,178,000 |
| Provision for loan losses | 300,000 | 300,000 | 300,000 | 2,600,000 |
| Pretax income | -126,000 | 177,000 | 341,000 | -1,982,000 |
| Income tax | 0 | 35,000 | 68,000 | 0 |
| Net income | -126,000 | 142,000 | 273,000 | -1,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,485,000 | 8,753,000 | 8,883,000 | 6,629,000 |