Call reports 2004
BANK OF THE LAKES, NA — 2004
What BANK OF THE LAKES, NA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 127,508,000 | 127,117,000 | 129,448,000 | 134,188,000 |
| Total loans | 107,778,000 | 111,280,000 | 113,337,000 | 115,407,000 |
| Allowance for loan losses | 619,000 | 680,000 | 738,000 | 767,000 |
| Securities available for sale | 420,000 | 420,000 | 0 | 0 |
| Securities held to maturity | 1,934,000 | 935,000 | 920,000 | 920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,543,000 | 115,741,000 | 117,927,000 | 122,633,000 |
| Interest-bearing deposits | 97,496,000 | 98,442,000 | 100,555,000 | 102,477,000 |
| Noninterest-bearing deposits | 19,047,000 | 17,299,000 | 17,372,000 | 20,156,000 |
| Equity capital | 10,639,000 | 10,831,000 | 11,096,000 | 11,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,707,000 | 3,411,000 | 5,164,000 | 7,148,000 |
| Interest expense | 462,000 | 938,000 | 1,448,000 | 2,004,000 |
| Net interest income | 1,245,000 | 2,473,000 | 3,716,000 | 5,144,000 |
| Noninterest income | 247,000 | 532,000 | 809,000 | 1,031,000 |
| Noninterest expense | 967,000 | 1,942,000 | 2,985,000 | 3,928,000 |
| Provision for loan losses | 115,000 | 175,000 | 235,000 | 295,000 |
| Pretax income | 410,000 | 888,000 | 1,324,000 | 1,971,000 |
| Income tax | 160,000 | 345,000 | 516,000 | 676,000 |
| Net income | 250,000 | 543,000 | 808,000 | 1,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,334,000 | 10,526,000 | 10,791,000 | 11,055,000 |
| Total capital | 10,953,000 | 11,206,000 | 11,529,000 | 11,822,000 |
| Risk-weighted assets | 106,259,000 | 110,570,000 | 111,781,000 | 114,542,000 |
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