Call reports 2016
LAKE ELMO BANK — 2016
What LAKE ELMO BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 320,548,000 | 331,623,000 | 338,933,000 | 340,955,000 |
| Total loans | 191,908,000 | 197,360,000 | 198,273,000 | 199,519,000 |
| Allowance for loan losses | 3,085,000 | 3,126,000 | 3,120,000 | 3,148,000 |
| Securities available for sale | 95,974,000 | 93,040,000 | 94,572,000 | 93,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,318,000 | 295,879,000 | 303,025,000 | 305,559,000 |
| Interest-bearing deposits | 228,656,000 | 238,173,000 | 237,399,000 | 240,104,000 |
| Noninterest-bearing deposits | 57,661,000 | 57,706,000 | 65,626,000 | 65,455,000 |
| Equity capital | 30,014,000 | 30,362,000 | 31,364,000 | 29,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,596,000 | 5,289,000 | 8,016,000 | 10,754,000 |
| Interest expense | 140,000 | 282,000 | 425,000 | 565,000 |
| Net interest income | 2,456,000 | 5,007,000 | 7,591,000 | 10,189,000 |
| Noninterest income | 577,000 | 1,283,000 | 1,881,000 | 2,474,000 |
| Noninterest expense | 2,228,000 | 4,450,000 | 6,659,000 | 8,863,000 |
| Provision for loan losses | -750,000 | -750,000 | -750,000 | -750,000 |
| Pretax income | 1,555,000 | 2,590,000 | 3,563,000 | 4,551,000 |
| Income tax | 1,471,000 | 1,471,000 | 1,471,000 | 1,471,000 |
| Net income | 84,000 | 1,119,000 | 2,092,000 | 3,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,454,000 | 29,689,000 | 30,662,000 | 30,449,000 |
| Total capital | 31,972,000 | 32,305,000 | 33,318,000 | 33,125,000 |
| Risk-weighted assets | 200,898,000 | 208,796,000 | 212,070,000 | 213,582,000 |