Call reports 2005
LAKE ELMO BANK — 2005
What LAKE ELMO BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 252,195,000 | 251,742,000 | 253,441,000 | 260,843,000 |
| Total loans | 185,979,000 | 189,533,000 | 183,102,000 | 192,712,000 |
| Allowance for loan losses | 2,736,000 | 2,648,000 | 2,648,000 | 2,621,000 |
| Securities available for sale | 38,345,000 | 38,490,000 | 40,645,000 | 40,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,914,000 | 216,374,000 | 219,234,000 | 224,515,000 |
| Interest-bearing deposits | 174,074,000 | 174,728,000 | 174,077,000 | 182,267,000 |
| Noninterest-bearing deposits | 38,840,000 | 41,646,000 | 45,157,000 | 42,248,000 |
| Equity capital | 20,901,000 | 21,949,000 | 22,117,000 | 22,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,549,000 | 7,255,000 | 11,099,000 | 15,085,000 |
| Interest expense | 988,000 | 2,049,000 | 3,249,000 | 4,666,000 |
| Net interest income | 2,561,000 | 5,206,000 | 7,850,000 | 10,419,000 |
| Noninterest income | 486,000 | 1,092,000 | 1,649,000 | 2,169,000 |
| Noninterest expense | 1,791,000 | 3,569,000 | 5,389,000 | 7,221,000 |
| Provision for loan losses | 84,000 | 140,000 | 224,000 | 252,000 |
| Pretax income | 1,172,000 | 2,589,000 | 3,886,000 | 5,115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,172,000 | 2,589,000 | 3,886,000 | 5,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,157,000 | 21,991,000 | 22,321,000 | 23,050,000 |
| Total capital | 23,724,000 | 24,602,000 | 24,864,000 | 25,671,000 |
| Risk-weighted assets | 205,192,000 | 208,816,000 | 203,367,000 | 211,883,000 |