Call reports 2003
LAKE ELMO BANK — 2003
What LAKE ELMO BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 222,769,000 | 230,311,000 | 236,350,000 | 235,789,000 |
| Total loans | 154,414,000 | 152,875,000 | 156,763,000 | 169,865,000 |
| Allowance for loan losses | 2,168,000 | 2,300,000 | 2,340,000 | 2,287,000 |
| Securities available for sale | 35,611,000 | 43,407,000 | 48,740,000 | 48,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,729,000 | 195,767,000 | 203,264,000 | 200,358,000 |
| Interest-bearing deposits | 158,275,000 | 161,330,000 | 165,160,000 | 162,124,000 |
| Noninterest-bearing deposits | 31,454,000 | 34,437,000 | 38,104,000 | 38,234,000 |
| Equity capital | 18,522,000 | 19,234,000 | 19,632,000 | 19,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,276,000 | 6,457,000 | 9,690,000 | 13,047,000 |
| Interest expense | 965,000 | 1,913,000 | 2,831,000 | 3,689,000 |
| Net interest income | 2,311,000 | 4,544,000 | 6,859,000 | 9,358,000 |
| Noninterest income | 529,000 | 1,146,000 | 1,741,000 | 2,237,000 |
| Noninterest expense | 1,866,000 | 3,567,000 | 5,391,000 | 7,407,000 |
| Provision for loan losses | 36,000 | 111,000 | 206,000 | 350,000 |
| Pretax income | 938,000 | 2,012,000 | 3,003,000 | 3,838,000 |
| Income tax | 920,000 | 921,000 | 922,000 | 924,000 |
| Net income | 18,000 | 1,091,000 | 2,081,000 | 2,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,331,000 | 18,054,000 | 19,044,000 | 18,477,000 |
| Total capital | 19,397,000 | 20,176,000 | 21,223,000 | 20,751,000 |
| Risk-weighted assets | 165,181,000 | 169,581,000 | 174,194,000 | 181,931,000 |