Call reports 2025
LAMONT BANK OF ST. JOHN — 2025
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 66,534,000 | 60,308,000 | 60,709,000 | 58,958,000 |
| Total loans | 42,036,000 | 43,400,000 | 40,325,000 | 36,169,000 |
| Allowance for loan losses | 467,000 | 1,468,000 | 1,545,000 | 1,927,000 |
| Securities available for sale | 14,265,000 | 12,943,000 | 12,458,000 | 12,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,798,000 | 52,114,000 | 55,805,000 | 55,962,000 |
| Interest-bearing deposits | 42,941,000 | 39,835,000 | 40,923,000 | 39,474,000 |
| Noninterest-bearing deposits | 13,857,000 | 12,279,000 | 14,882,000 | 16,488,000 |
| Equity capital | 5,355,000 | 4,450,000 | 4,219,000 | 2,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 787,000 | 1,552,000 | 2,387,000 | 2,596,000 |
| Interest expense | 391,000 | 751,000 | 1,023,000 | 1,209,000 |
| Net interest income | 396,000 | 801,000 | 1,364,000 | 1,387,000 |
| Noninterest income | 25,000 | 44,000 | 61,000 | 78,000 |
| Noninterest expense | 416,000 | 778,000 | 1,718,000 | 2,091,000 |
| Provision for loan losses | 50,000 | 1,050,000 | 1,125,000 | 2,585,000 |
| Pretax income | -45,000 | -983,000 | -1,418,000 | -3,211,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -45,000 | -983,000 | -1,418,000 | -3,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,258,000 | 5,322,000 | 4,883,000 | 3,255,000 |
| Total capital | — | — | — | 3,821,000 |
| Risk-weighted assets | — | — | — | 43,921,000 |