Call reports 2001
LAKE ELMO BANK — 2001
What LAKE ELMO BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 190,413,000 | 195,664,000 | 202,090,000 | 211,114,000 |
| Total loans | 134,245,000 | 132,153,000 | 128,114,000 | 141,056,000 |
| Allowance for loan losses | 2,258,000 | 2,199,000 | 2,086,000 | 2,069,000 |
| Securities available for sale | 24,658,000 | 30,522,000 | 36,108,000 | 37,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,526,000 | 161,090,000 | 167,584,000 | 174,530,000 |
| Interest-bearing deposits | 132,810,000 | 133,366,000 | 138,621,000 | 138,307,000 |
| Noninterest-bearing deposits | 24,716,000 | 27,724,000 | 28,963,000 | 36,223,000 |
| Equity capital | 13,911,000 | 14,552,000 | 14,797,000 | 15,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,861,000 | 7,620,000 | 11,349,000 | 14,949,000 |
| Interest expense | 1,796,000 | 3,511,000 | 5,113,000 | 6,455,000 |
| Net interest income | 2,065,000 | 4,109,000 | 6,236,000 | 8,494,000 |
| Noninterest income | 337,000 | 840,000 | 1,199,000 | 1,684,000 |
| Noninterest expense | 1,724,000 | 3,253,000 | 5,068,000 | 6,569,000 |
| Provision for loan losses | 125,000 | 125,000 | 125,000 | 225,000 |
| Pretax income | 556,000 | 1,578,000 | 2,246,000 | 3,366,000 |
| Income tax | 185,000 | 557,000 | 785,000 | 1,198,000 |
| Net income | 371,000 | 1,021,000 | 1,461,000 | 2,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,825,000 | 14,478,000 | 14,521,000 | 14,908,000 |
| Total capital | 15,596,000 | 16,233,000 | 16,284,000 | 16,826,000 |
| Risk-weighted assets | 141,191,000 | 139,927,000 | 140,747,000 | 153,265,000 |