Call reports 2012
BANK OF THE LAKES, NA — 2012
What BANK OF THE LAKES, NA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 211,858,000 | 211,973,000 | 206,185,000 | 205,280,000 |
| Total loans | 143,358,000 | 143,246,000 | 145,765,000 | 141,307,000 |
| Allowance for loan losses | 2,737,000 | 2,771,000 | 2,565,000 | 3,031,000 |
| Securities available for sale | 15,336,000 | 17,696,000 | 22,378,000 | 20,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,876,000 | 192,818,000 | 188,723,000 | 189,705,000 |
| Interest-bearing deposits | 164,245,000 | 163,526,000 | 160,654,000 | 160,921,000 |
| Noninterest-bearing deposits | 27,631,000 | 29,292,000 | 28,069,000 | 28,784,000 |
| Equity capital | 19,732,000 | 18,982,000 | 17,235,000 | 15,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,067,000 | 4,177,000 | 6,251,000 | 8,276,000 |
| Interest expense | 518,000 | 995,000 | 1,442,000 | 1,876,000 |
| Net interest income | 1,549,000 | 3,182,000 | 4,809,000 | 6,400,000 |
| Noninterest income | 394,000 | 785,000 | 1,192,000 | 1,396,000 |
| Noninterest expense | 1,501,000 | 3,969,000 | 6,189,000 | 7,838,000 |
| Provision for loan losses | 280,000 | 490,000 | 2,138,000 | 4,250,000 |
| Pretax income | 210,000 | -444,000 | -2,278,000 | -4,123,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 210,000 | -444,000 | -2,278,000 | -4,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,478,000 | 18,567,000 | 16,734,000 | 14,889,000 |
| Total capital | 21,449,000 | 20,562,000 | 18,581,000 | 16,812,000 |
| Risk-weighted assets | 165,347,000 | 162,371,000 | 160,914,000 | 154,604,000 |