Call reports 2013
BANK OF THE LAKES, NA — 2013
What BANK OF THE LAKES, NA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 206,030,000 | 186,336,000 | 175,975,000 | 168,781,000 |
| Total loans | 127,642,000 | 119,937,000 | 114,374,000 | 105,914,000 |
| Allowance for loan losses | 3,326,000 | 3,174,000 | 3,099,000 | 3,133,000 |
| Securities available for sale | 17,928,000 | 22,056,000 | 21,817,000 | 21,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,191,000 | 170,460,000 | 159,938,000 | 153,602,000 |
| Interest-bearing deposits | 161,918,000 | 145,891,000 | 136,024,000 | 130,248,000 |
| Noninterest-bearing deposits | 30,273,000 | 24,569,000 | 23,914,000 | 23,354,000 |
| Equity capital | 13,643,000 | 15,642,000 | 15,711,000 | 14,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,880,000 | 3,742,000 | 5,450,000 | 7,058,000 |
| Interest expense | 411,000 | 757,000 | 1,069,000 | 1,355,000 |
| Net interest income | 1,469,000 | 2,985,000 | 4,381,000 | 5,703,000 |
| Noninterest income | 340,000 | 623,000 | 963,000 | 868,000 |
| Noninterest expense | 2,069,000 | 3,413,000 | 5,023,000 | 7,064,000 |
| Provision for loan losses | 1,462,000 | 2,337,000 | 2,337,000 | 2,337,000 |
| Pretax income | -1,657,000 | -2,061,000 | -1,935,000 | -2,744,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,657,000 | -2,061,000 | -1,935,000 | -2,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,536,000 | 15,859,000 | 15,795,000 | 14,930,000 |
| Total capital | 15,347,000 | 17,551,000 | 17,409,000 | 16,559,000 |
| Risk-weighted assets | 143,406,000 | 135,936,000 | 134,316,000 | 137,056,000 |