Call reports 2014
LAKE ELMO BANK — 2014
What LAKE ELMO BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 307,695,000 | 301,854,000 | 309,462,000 | 307,046,000 |
| Total loans | 173,546,000 | 180,275,000 | 186,607,000 | 189,595,000 |
| Allowance for loan losses | 4,154,000 | 4,165,000 | 4,166,000 | 3,837,000 |
| Securities available for sale | 99,900,000 | 98,100,000 | 100,550,000 | 97,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,938,000 | 268,054,000 | 276,242,000 | 271,140,000 |
| Interest-bearing deposits | 225,480,000 | 219,988,000 | 223,508,000 | 219,743,000 |
| Noninterest-bearing deposits | 50,457,000 | 48,066,000 | 52,734,000 | 51,397,000 |
| Equity capital | 27,175,000 | 27,825,000 | 27,630,000 | 28,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,386,000 | 4,849,000 | 7,381,000 | 9,969,000 |
| Interest expense | 217,000 | 429,000 | 623,000 | 804,000 |
| Net interest income | 2,169,000 | 4,420,000 | 6,758,000 | 9,165,000 |
| Noninterest income | 580,000 | 1,198,000 | 1,797,000 | 2,359,000 |
| Noninterest expense | 2,238,000 | 4,298,000 | 6,331,000 | 8,481,000 |
| Provision for loan losses | 0 | 0 | 0 | -200,000 |
| Pretax income | 511,000 | 1,347,000 | 2,251,000 | 3,270,000 |
| Income tax | 163,000 | 474,000 | 812,000 | 1,197,000 |
| Net income | 348,000 | 873,000 | 1,439,000 | 2,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,231,000 | 27,756,000 | 27,521,000 | 28,156,000 |
| Total capital | 29,521,000 | 30,127,000 | 29,977,000 | 30,624,000 |
| Risk-weighted assets | 181,302,000 | 187,917,000 | 194,778,000 | 196,150,000 |