Call reports 2019
LAKE ELMO BANK — 2019
What LAKE ELMO BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 374,214,000 | 369,831,000 | 376,439,000 | 376,074,000 |
| Total loans | 261,761,000 | 270,766,000 | 275,785,000 | 277,749,000 |
| Allowance for loan losses | 3,705,000 | 3,812,000 | 3,871,000 | 3,925,000 |
| Securities available for sale | 71,226,000 | 70,162,000 | 64,914,000 | 62,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,940,000 | 326,976,000 | 332,677,000 | 329,871,000 |
| Interest-bearing deposits | 257,473,000 | 250,046,000 | 248,300,000 | 251,915,000 |
| Noninterest-bearing deposits | 75,467,000 | 76,930,000 | 84,377,000 | 77,956,000 |
| Equity capital | 35,558,000 | 36,864,000 | 37,854,000 | 38,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,584,000 | 7,365,000 | 11,217,000 | 15,115,000 |
| Interest expense | 177,000 | 385,000 | 613,000 | 858,000 |
| Net interest income | 3,407,000 | 6,980,000 | 10,604,000 | 14,257,000 |
| Noninterest income | 674,000 | 1,550,000 | 2,166,000 | 2,960,000 |
| Noninterest expense | 2,486,000 | 5,017,000 | 7,584,000 | 10,185,000 |
| Provision for loan losses | 69,000 | 138,000 | 207,000 | 276,000 |
| Pretax income | 1,526,000 | 3,375,000 | 4,979,000 | 6,756,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 1,522,000 | 3,371,000 | 4,975,000 | 6,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,207,000 | 36,800,000 | 37,624,000 | 37,786,000 |
| Total capital | 39,359,000 | 40,057,000 | 40,902,000 | 41,088,000 |
| Risk-weighted assets | 251,582,000 | 260,015,000 | 261,689,000 | 263,546,000 |