Call reports 2006
LAKE ELMO BANK — 2006
What LAKE ELMO BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 266,066,000 | 267,911,000 | 267,882,000 | 266,652,000 |
| Total loans | 197,052,000 | 202,811,000 | 205,194,000 | 201,878,000 |
| Allowance for loan losses | 2,676,000 | 2,716,000 | 2,801,000 | 2,767,000 |
| Securities available for sale | 40,724,000 | 42,172,000 | 37,253,000 | 36,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,820,000 | 232,468,000 | 235,451,000 | 231,990,000 |
| Interest-bearing deposits | 189,472,000 | 193,988,000 | 195,124,000 | 192,479,000 |
| Noninterest-bearing deposits | 39,348,000 | 38,480,000 | 40,327,000 | 39,511,000 |
| Equity capital | 22,885,000 | 23,070,000 | 23,556,000 | 24,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,080,000 | 8,362,000 | 12,716,000 | 17,064,000 |
| Interest expense | 1,516,000 | 3,171,000 | 4,984,000 | 6,820,000 |
| Net interest income | 2,564,000 | 5,191,000 | 7,732,000 | 10,244,000 |
| Noninterest income | 493,000 | 1,078,000 | 1,599,000 | 2,105,000 |
| Noninterest expense | 2,073,000 | 4,012,000 | 6,093,000 | 8,061,000 |
| Provision for loan losses | 337,000 | 406,000 | 492,000 | 591,000 |
| Pretax income | 647,000 | 1,851,000 | 2,746,000 | 3,697,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 647,000 | 1,851,000 | 2,746,000 | 3,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,402,000 | 23,781,000 | 23,853,000 | 24,679,000 |
| Total capital | 26,078,000 | 26,497,000 | 26,647,000 | 27,434,000 |
| Risk-weighted assets | 216,672,000 | 222,150,000 | 223,497,000 | 220,403,000 |