Call reports 2007
LAKE ELMO BANK — 2007
What LAKE ELMO BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 263,174,000 | 260,282,000 | 264,942,000 | 265,348,000 |
| Total loans | 199,980,000 | 193,047,000 | 197,048,000 | 191,093,000 |
| Allowance for loan losses | 2,846,000 | 2,820,000 | 2,571,000 | 2,501,000 |
| Securities available for sale | 36,736,000 | 37,269,000 | 43,806,000 | 44,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,510,000 | 229,738,000 | 232,812,000 | 232,893,000 |
| Interest-bearing deposits | 195,712,000 | 194,451,000 | 194,679,000 | 196,500,000 |
| Noninterest-bearing deposits | 35,798,000 | 35,287,000 | 38,133,000 | 36,393,000 |
| Equity capital | 24,662,000 | 24,773,000 | 25,337,000 | 25,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,228,000 | 8,524,000 | 12,760,000 | 16,994,000 |
| Interest expense | 1,819,000 | 3,657,000 | 5,538,000 | 7,384,000 |
| Net interest income | 2,409,000 | 4,867,000 | 7,222,000 | 9,610,000 |
| Noninterest income | 531,000 | 1,134,000 | 1,650,000 | 2,216,000 |
| Noninterest expense | 2,188,000 | 4,165,000 | 6,183,000 | 8,214,000 |
| Provision for loan losses | 75,000 | 165,000 | 270,000 | 1,105,000 |
| Pretax income | 677,000 | 1,671,000 | 2,419,000 | 2,507,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 677,000 | 1,671,000 | 2,419,000 | 2,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,755,000 | 25,124,000 | 25,262,000 | 25,350,000 |
| Total capital | 27,479,000 | 27,799,000 | 27,833,000 | 27,851,000 |
| Risk-weighted assets | 217,837,000 | 213,819,000 | 216,039,000 | 211,537,000 |