Call reports 2010
BANK OF THE LAKES, NA — 2010
What BANK OF THE LAKES, NA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 191,311,000 | 189,761,000 | 189,013,000 | 184,445,000 |
| Total loans | 147,398,000 | 142,008,000 | 135,984,000 | 135,238,000 |
| Allowance for loan losses | 2,536,000 | 2,649,000 | 2,343,000 | 2,317,000 |
| Securities available for sale | 7,746,000 | 7,544,000 | 11,818,000 | 16,439,000 |
| Securities held to maturity | 334,000 | 120,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,321,000 | 170,679,000 | 170,003,000 | 165,239,000 |
| Interest-bearing deposits | 151,933,000 | 151,730,000 | 149,508,000 | 144,510,000 |
| Noninterest-bearing deposits | 20,388,000 | 18,949,000 | 20,495,000 | 20,729,000 |
| Equity capital | 18,700,000 | 18,763,000 | 18,872,000 | 18,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,148,000 | 4,214,000 | 6,294,000 | 8,410,000 |
| Interest expense | 701,000 | 1,328,000 | 1,942,000 | 2,512,000 |
| Net interest income | 1,447,000 | 2,886,000 | 4,352,000 | 5,898,000 |
| Noninterest income | 388,000 | 598,000 | 910,000 | 1,203,000 |
| Noninterest expense | 1,419,000 | 2,797,000 | 4,249,000 | 5,712,000 |
| Provision for loan losses | 180,000 | 360,000 | 786,000 | 966,000 |
| Pretax income | 236,000 | 327,000 | 227,000 | 449,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 236,000 | 327,000 | 227,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,556,000 | 18,648,000 | 18,547,000 | 18,769,000 |
| Total capital | 20,571,000 | 20,568,000 | 20,234,000 | 20,438,000 |
| Risk-weighted assets | 160,676,000 | 152,873,000 | 148,994,000 | 151,992,000 |