Call reports 2018
LAKE ELMO BANK — 2018
What LAKE ELMO BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 393,194,000 | 376,076,000 | 383,618,000 | 368,097,000 |
| Total loans | 221,993,000 | 239,775,000 | 247,420,000 | 252,939,000 |
| Allowance for loan losses | 3,229,000 | 3,355,000 | 3,481,000 | 3,542,000 |
| Securities available for sale | 91,547,000 | 86,846,000 | 80,505,000 | 75,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,587,000 | 339,129,000 | 341,602,000 | 328,068,000 |
| Interest-bearing deposits | 274,487,000 | 257,620,000 | 256,934,000 | 250,604,000 |
| Noninterest-bearing deposits | 81,100,000 | 81,509,000 | 84,669,000 | 77,464,000 |
| Equity capital | 31,531,000 | 31,886,000 | 32,568,000 | 33,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,235,000 | 6,650,000 | 10,241,000 | 13,841,000 |
| Interest expense | 143,000 | 282,000 | 421,000 | 589,000 |
| Net interest income | 3,092,000 | 6,368,000 | 9,820,000 | 13,252,000 |
| Noninterest income | 639,000 | 1,312,000 | 2,023,000 | 2,697,000 |
| Noninterest expense | 2,453,000 | 4,890,000 | 7,362,000 | 9,868,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,218,000 | 2,670,000 | 4,301,000 | 5,841,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 1,214,000 | 2,666,000 | 4,297,000 | 5,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,385,000 | 33,806,000 | 34,735,000 | 34,686,000 |
| Total capital | 36,192,000 | 36,801,000 | 37,806,000 | 37,772,000 |
| Risk-weighted assets | 224,214,000 | 239,271,000 | 245,238,000 | 246,420,000 |