Call reports 2012
LAKE ELMO BANK — 2012
What LAKE ELMO BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 288,109,000 | 288,280,000 | 293,373,000 | 300,935,000 |
| Total loans | 160,576,000 | 159,901,000 | 164,460,000 | 166,439,000 |
| Allowance for loan losses | 5,033,000 | 4,945,000 | 5,151,000 | 4,946,000 |
| Securities available for sale | 91,767,000 | 100,666,000 | 102,674,000 | 101,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,294,000 | 256,295,000 | 260,761,000 | 267,223,000 |
| Interest-bearing deposits | 210,324,000 | 212,186,000 | 216,286,000 | 220,469,000 |
| Noninterest-bearing deposits | 44,970,000 | 44,109,000 | 44,475,000 | 46,754,000 |
| Equity capital | 24,905,000 | 25,387,000 | 25,880,000 | 26,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,633,000 | 5,214,000 | 7,773,000 | 10,315,000 |
| Interest expense | 402,000 | 776,000 | 1,117,000 | 1,423,000 |
| Net interest income | 2,231,000 | 4,438,000 | 6,656,000 | 8,892,000 |
| Noninterest income | 538,000 | 1,013,000 | 1,472,000 | 2,201,000 |
| Noninterest expense | 2,098,000 | 4,262,000 | 6,346,000 | 8,502,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 525,000 |
| Pretax income | 521,000 | 889,000 | 1,332,000 | 2,066,000 |
| Income tax | 174,000 | 288,000 | 432,000 | 659,000 |
| Net income | 347,000 | 601,000 | 900,000 | 1,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,479,000 | 23,884,000 | 24,457,000 | 25,319,000 |
| Total capital | 25,678,000 | 26,075,000 | 26,684,000 | 27,570,000 |
| Risk-weighted assets | 173,118,000 | 172,532,000 | 175,260,000 | 177,413,000 |