Call reports 2011
LAKE ELMO BANK — 2011
What LAKE ELMO BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 270,502,000 | 272,588,000 | 277,515,000 | 276,681,000 |
| Total loans | 172,153,000 | 169,453,000 | 164,035,000 | 163,367,000 |
| Allowance for loan losses | 5,331,000 | 5,175,000 | 5,365,000 | 5,049,000 |
| Securities available for sale | 69,951,000 | 71,354,000 | 80,402,000 | 84,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,750,000 | 239,580,000 | 245,525,000 | 244,039,000 |
| Interest-bearing deposits | 200,597,000 | 199,498,000 | 201,698,000 | 202,486,000 |
| Noninterest-bearing deposits | 37,153,000 | 40,082,000 | 43,827,000 | 41,553,000 |
| Equity capital | 24,304,000 | 24,915,000 | 24,451,000 | 24,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,841,000 | 5,685,000 | 8,398,000 | 11,160,000 |
| Interest expense | 486,000 | 957,000 | 1,416,000 | 1,840,000 |
| Net interest income | 2,355,000 | 4,728,000 | 6,982,000 | 9,320,000 |
| Noninterest income | 505,000 | 1,071,000 | 1,024,000 | 1,167,000 |
| Noninterest expense | 2,362,000 | 4,754,000 | 6,480,000 | 8,498,000 |
| Provision for loan losses | 653,000 | 983,000 | 2,007,000 | 2,229,000 |
| Pretax income | -155,000 | 62,000 | -481,000 | -240,000 |
| Income tax | -1,746,000 | -1,704,000 | -1,966,000 | -1,910,000 |
| Net income | 1,591,000 | 1,766,000 | 1,485,000 | 1,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,766,000 | 23,080,000 | 22,829,000 | 22,940,000 |
| Total capital | 25,122,000 | 25,412,000 | 25,089,000 | 25,172,000 |
| Risk-weighted assets | 185,474,000 | 183,704,000 | 177,711,000 | 175,772,000 |