Call reports 2024
LAMONT BANK OF ST. JOHN — 2024
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 67,431,000 | 71,606,000 | 71,753,000 | 71,101,000 |
| Total loans | 44,773,000 | 48,145,000 | 48,548,000 | 43,120,000 |
| Allowance for loan losses | 2,277,000 | 1,581,000 | 1,630,000 | 1,291,000 |
| Securities available for sale | 22,112,000 | 21,974,000 | 20,234,000 | 18,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,374,000 | 51,531,000 | 56,947,000 | 61,199,000 |
| Interest-bearing deposits | 36,640,000 | 36,945,000 | 41,424,000 | 44,365,000 |
| Noninterest-bearing deposits | 15,734,000 | 14,586,000 | 15,523,000 | 16,834,000 |
| Equity capital | 4,709,000 | 5,739,000 | 6,133,000 | 5,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 832,000 | 1,733,000 | 2,703,000 | 3,470,000 |
| Interest expense | 318,000 | 722,000 | 1,301,000 | 1,748,000 |
| Net interest income | 514,000 | 1,011,000 | 1,402,000 | 1,722,000 |
| Noninterest income | 12,000 | 19,000 | 26,000 | 50,000 |
| Noninterest expense | 274,000 | 561,000 | 1,033,000 | 1,428,000 |
| Provision for loan losses | 708,000 | 0 | 43,000 | 787,000 |
| Pretax income | -456,000 | 469,000 | 352,000 | -477,000 |
| Income tax | 0 | 0 | 67,000 | 0 |
| Net income | -456,000 | 469,000 | 285,000 | -477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,172,000 | 7,097,000 | 7,066,000 | 6,303,000 |