Call reports 2005
BANK OF THE LAKES, NA — 2005
What BANK OF THE LAKES, NA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 136,726,000 | 144,537,000 | 152,849,000 | 157,452,000 |
| Total loans | 119,577,000 | 120,122,000 | 125,665,000 | 124,622,000 |
| Allowance for loan losses | 794,000 | 842,000 | 818,000 | 852,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 920,000 | 920,000 | 550,000 | 550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,542,000 | 130,103,000 | 139,750,000 | 144,284,000 |
| Interest-bearing deposits | 104,571,000 | 108,307,000 | 119,849,000 | 124,273,000 |
| Noninterest-bearing deposits | 19,971,000 | 21,796,000 | 19,901,000 | 20,011,000 |
| Equity capital | 11,832,000 | 12,194,000 | 12,696,000 | 12,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,019,000 | 4,327,000 | 6,814,000 | 9,502,000 |
| Interest expense | 603,000 | 1,306,000 | 2,164,000 | 3,194,000 |
| Net interest income | 1,416,000 | 3,021,000 | 4,650,000 | 6,308,000 |
| Noninterest income | 252,000 | 500,000 | 741,000 | 993,000 |
| Noninterest expense | 1,025,000 | 2,058,000 | 3,047,000 | 3,989,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 598,000 | 1,373,000 | 2,209,000 | 3,132,000 |
| Income tax | 126,000 | 434,000 | 768,000 | 992,000 |
| Net income | 472,000 | 939,000 | 1,441,000 | 2,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,527,000 | 11,889,000 | 12,391,000 | 12,669,000 |
| Total capital | 12,321,000 | 12,731,000 | 13,209,000 | 13,521,000 |
| Risk-weighted assets | 117,240,000 | 120,632,000 | 129,474,000 | 127,203,000 |
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