Call reports 2013
LAKE ELMO BANK — 2013
What LAKE ELMO BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 298,328,000 | 301,258,000 | 302,285,000 | 304,867,000 |
| Total loans | 168,843,000 | 172,084,000 | 169,542,000 | 172,820,000 |
| Allowance for loan losses | 4,982,000 | 4,835,000 | 4,535,000 | 4,128,000 |
| Securities available for sale | 100,190,000 | 102,084,000 | 106,256,000 | 105,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,602,000 | 269,670,000 | 269,340,000 | 272,267,000 |
| Interest-bearing deposits | 221,271,000 | 222,639,000 | 219,163,000 | 221,520,000 |
| Noninterest-bearing deposits | 43,331,000 | 47,031,000 | 50,177,000 | 50,747,000 |
| Equity capital | 26,851,000 | 26,347,000 | 26,763,000 | 26,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,467,000 | 4,937,000 | 7,417,000 | 9,920,000 |
| Interest expense | 283,000 | 548,000 | 792,000 | 1,022,000 |
| Net interest income | 2,184,000 | 4,389,000 | 6,625,000 | 8,898,000 |
| Noninterest income | 659,000 | 915,000 | 1,479,000 | 2,026,000 |
| Noninterest expense | 2,043,000 | 4,185,000 | 6,270,000 | 8,446,000 |
| Provision for loan losses | 0 | -200,000 | -400,000 | -400,000 |
| Pretax income | 800,000 | 1,319,000 | 2,234,000 | 2,878,000 |
| Income tax | 292,000 | 471,000 | 813,000 | 1,041,000 |
| Net income | 508,000 | 848,000 | 1,421,000 | 1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,935,000 | 25,777,000 | 26,244,000 | 26,883,000 |
| Total capital | 28,220,000 | 28,085,000 | 28,533,000 | 29,186,000 |
| Risk-weighted assets | 180,105,000 | 182,083,000 | 180,902,000 | 182,415,000 |