Call reports 2002
LAKE ELMO BANK — 2002
What LAKE ELMO BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 206,463,000 | 212,253,000 | 218,497,000 | 223,319,000 |
| Total loans | 148,869,000 | 147,297,000 | 152,804,000 | 161,817,000 |
| Allowance for loan losses | 2,182,000 | 2,219,000 | 2,210,000 | 2,314,000 |
| Securities available for sale | 32,659,000 | 33,526,000 | 41,946,000 | 34,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,456,000 | 179,516,000 | 183,523,000 | 184,758,000 |
| Interest-bearing deposits | 143,273,000 | 149,651,000 | 148,930,000 | 150,837,000 |
| Noninterest-bearing deposits | 31,183,000 | 29,865,000 | 34,593,000 | 33,921,000 |
| Equity capital | 15,553,000 | 16,376,000 | 17,367,000 | 17,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,459,000 | 6,719,000 | 10,196,000 | 13,751,000 |
| Interest expense | 1,121,000 | 2,216,000 | 3,320,000 | 4,376,000 |
| Net interest income | 2,338,000 | 4,503,000 | 6,876,000 | 9,375,000 |
| Noninterest income | 430,000 | 1,001,000 | 1,508,000 | 2,018,000 |
| Noninterest expense | 1,626,000 | 3,396,000 | 4,998,000 | 6,819,000 |
| Provision for loan losses | 118,000 | 161,000 | 221,000 | 289,000 |
| Pretax income | 1,024,000 | 1,947,000 | 3,165,000 | 4,285,000 |
| Income tax | 376,000 | 710,000 | 1,165,000 | 1,580,000 |
| Net income | 648,000 | 1,237,000 | 2,000,000 | 2,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,255,000 | 15,844,000 | 16,608,000 | 17,313,000 |
| Total capital | 17,228,000 | 17,839,000 | 18,657,000 | 19,436,000 |
| Risk-weighted assets | 157,663,000 | 159,351,000 | 163,729,000 | 169,685,000 |