Call reports 2025
LAKE ELMO BANK — 2025
What LAKE ELMO BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 519,281,000 | 500,198,000 | 517,162,000 | 531,361,000 |
| Total loans | 395,231,000 | 401,979,000 | 411,744,000 | 410,042,000 |
| Allowance for loan losses | 5,611,000 | 5,586,000 | 5,697,000 | 5,483,000 |
| Securities available for sale | 44,884,000 | 44,516,000 | 41,591,000 | 43,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 457,603,000 | 438,417,000 | 452,597,000 | 466,270,000 |
| Interest-bearing deposits | 334,229,000 | 324,360,000 | 331,482,000 | 344,304,000 |
| Noninterest-bearing deposits | 123,374,000 | 114,057,000 | 121,115,000 | 121,966,000 |
| Equity capital | 54,562,000 | 55,599,000 | 57,781,000 | 57,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,388,000 | 13,096,000 | 19,962,000 | 26,784,000 |
| Interest expense | 1,335,000 | 2,639,000 | 4,055,000 | 5,521,000 |
| Net interest income | 5,053,000 | 10,457,000 | 15,907,000 | 21,263,000 |
| Noninterest income | 804,000 | 1,424,000 | 2,092,000 | 2,983,000 |
| Noninterest expense | 3,251,000 | 6,588,000 | 9,941,000 | 13,382,000 |
| Provision for loan losses | 126,000 | 153,000 | 255,000 | 304,000 |
| Pretax income | 2,469,000 | 5,054,000 | 7,729,000 | 10,433,000 |
| Income tax | 202,000 | 414,000 | 633,000 | 900,000 |
| Net income | 2,267,000 | 4,640,000 | 7,096,000 | 9,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,314,000 | 58,051,000 | 59,709,000 | 58,972,000 |
| Total capital | 61,680,000 | 62,504,000 | 64,297,000 | 63,577,000 |
| Risk-weighted assets | 347,908,000 | 354,951,000 | 365,730,000 | 367,294,000 |