Call reports 2004
LAKE ELMO BANK — 2004
What LAKE ELMO BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 237,985,000 | 238,874,000 | 246,894,000 | 249,277,000 |
| Total loans | 172,850,000 | 176,690,000 | 182,904,000 | 187,327,000 |
| Allowance for loan losses | 2,325,000 | 2,410,000 | 2,482,000 | 2,592,000 |
| Securities available for sale | 46,153,000 | 42,799,000 | 43,511,000 | 39,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,859,000 | 205,985,000 | 212,022,000 | 213,884,000 |
| Interest-bearing deposits | 166,588,000 | 165,004,000 | 171,864,000 | 171,848,000 |
| Noninterest-bearing deposits | 37,271,000 | 40,981,000 | 40,158,000 | 42,036,000 |
| Equity capital | 19,103,000 | 18,885,000 | 20,853,000 | 21,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,239,000 | 6,524,000 | 9,976,000 | 13,507,000 |
| Interest expense | 839,000 | 1,678,000 | 2,537,000 | 3,446,000 |
| Net interest income | 2,400,000 | 4,846,000 | 7,439,000 | 10,061,000 |
| Noninterest income | 474,000 | 1,043,000 | 2,621,000 | 3,073,000 |
| Noninterest expense | 1,839,000 | 3,635,000 | 5,406,000 | 7,240,000 |
| Provision for loan losses | 80,000 | 160,000 | 240,000 | 580,000 |
| Pretax income | 955,000 | 2,094,000 | 4,414,000 | 5,271,000 |
| Income tax | 3,000 | 19,000 | 29,000 | 5,000 |
| Net income | 952,000 | 2,075,000 | 4,385,000 | 5,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,329,000 | 19,056,000 | 20,518,000 | 20,890,000 |
| Total capital | 20,635,000 | 21,388,000 | 22,968,000 | 23,387,000 |
| Risk-weighted assets | 184,464,000 | 186,444,000 | 195,983,000 | 199,634,000 |