Call reports 2015
LAKE ELMO BANK — 2015
What LAKE ELMO BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 311,620,000 | 308,683,000 | 318,331,000 | 321,625,000 |
| Total loans | 187,162,000 | 187,822,000 | 188,625,000 | 190,691,000 |
| Allowance for loan losses | 3,992,000 | 4,108,000 | 4,093,000 | 3,795,000 |
| Securities available for sale | 96,280,000 | 97,788,000 | 99,999,000 | 96,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,446,000 | 274,350,000 | 284,428,000 | 286,996,000 |
| Interest-bearing deposits | 223,978,000 | 220,308,000 | 226,468,000 | 226,080,000 |
| Noninterest-bearing deposits | 53,468,000 | 54,042,000 | 57,960,000 | 60,916,000 |
| Equity capital | 29,054,000 | 29,415,000 | 29,278,000 | 29,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,473,000 | 4,998,000 | 7,524,000 | 10,157,000 |
| Interest expense | 168,000 | 326,000 | 478,000 | 624,000 |
| Net interest income | 2,305,000 | 4,672,000 | 7,046,000 | 9,533,000 |
| Noninterest income | 590,000 | 1,216,000 | 1,808,000 | 2,404,000 |
| Noninterest expense | 2,276,000 | 4,435,000 | 6,578,000 | 8,760,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 619,000 | 1,453,000 | 2,289,000 | 3,190,000 |
| Income tax | 223,000 | 532,000 | 842,000 | 1,176,000 |
| Net income | 396,000 | 921,000 | 1,447,000 | 2,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,552,000 | 29,077,000 | 28,803,000 | 29,370,000 |
| Total capital | 33,501,000 | 34,049,000 | 31,302,000 | 31,885,000 |
| Risk-weighted assets | 197,627,000 | 197,226,000 | 198,349,000 | 199,944,000 |