Call reports 2010
LAKE ELMO BANK — 2010
What LAKE ELMO BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 273,005,000 | 269,297,000 | 270,390,000 | 271,987,000 |
| Total loans | 186,099,000 | 183,473,000 | 178,865,000 | 174,483,000 |
| Allowance for loan losses | 3,967,000 | 4,452,000 | 4,648,000 | 4,921,000 |
| Securities available for sale | 57,548,000 | 58,584,000 | 61,111,000 | 66,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,997,000 | 234,134,000 | 237,970,000 | 239,712,000 |
| Interest-bearing deposits | 201,214,000 | 197,794,000 | 199,759,000 | 199,415,000 |
| Noninterest-bearing deposits | 36,783,000 | 36,340,000 | 38,211,000 | 40,297,000 |
| Equity capital | 25,880,000 | 24,648,000 | 23,026,000 | 22,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,084,000 | 6,105,000 | 9,168,000 | 12,153,000 |
| Interest expense | 705,000 | 1,359,000 | 1,970,000 | 2,511,000 |
| Net interest income | 2,379,000 | 4,746,000 | 7,198,000 | 9,642,000 |
| Noninterest income | 634,000 | 1,334,000 | 1,978,000 | 2,542,000 |
| Noninterest expense | 2,106,000 | 4,361,000 | 6,628,000 | 8,926,000 |
| Provision for loan losses | 1,108,000 | 3,356,000 | 5,867,000 | 6,267,000 |
| Pretax income | -197,000 | -1,633,000 | -3,124,000 | -2,600,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -197,000 | -1,633,000 | -3,124,000 | -2,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,972,000 | 23,536,000 | 22,045,000 | 22,569,000 |
| Total capital | 27,523,000 | 26,055,000 | 24,490,000 | 24,963,000 |
| Risk-weighted assets | 202,636,000 | 199,568,000 | 193,383,000 | 189,030,000 |