Call reports 2009
LAKE ELMO BANK — 2009
What LAKE ELMO BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 267,896,000 | 268,936,000 | 274,118,000 | 275,015,000 |
| Total loans | 193,132,000 | 195,348,000 | 192,880,000 | 189,275,000 |
| Allowance for loan losses | 3,345,000 | 4,011,000 | 4,361,000 | 3,327,000 |
| Securities available for sale | 48,280,000 | 51,685,000 | 53,518,000 | 56,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,898,000 | 231,852,000 | 237,579,000 | 239,748,000 |
| Interest-bearing deposits | 195,832,000 | 196,444,000 | 199,579,000 | 197,722,000 |
| Noninterest-bearing deposits | 36,066,000 | 35,408,000 | 38,000,000 | 42,026,000 |
| Equity capital | 25,781,000 | 26,008,000 | 26,088,000 | 26,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,454,000 | 6,898,000 | 10,350,000 | 13,572,000 |
| Interest expense | 1,025,000 | 1,979,000 | 2,877,000 | 3,677,000 |
| Net interest income | 2,429,000 | 4,919,000 | 7,473,000 | 9,895,000 |
| Noninterest income | 624,000 | 1,344,000 | 1,878,000 | 2,412,000 |
| Noninterest expense | 2,082,000 | 4,410,000 | 6,579,000 | 8,719,000 |
| Provision for loan losses | 753,000 | 1,522,000 | 2,752,000 | 3,392,000 |
| Pretax income | 218,000 | 331,000 | 117,000 | 293,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 218,000 | 331,000 | 117,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,093,000 | 25,207,000 | 24,992,000 | 25,169,000 |
| Total capital | 27,720,000 | 27,852,000 | 27,610,000 | 27,743,000 |
| Risk-weighted assets | 209,458,000 | 210,201,000 | 207,683,000 | 205,207,000 |