Call reports 2001
FIRST NATIONAL BANK OF THE LAKES — 2001
What FIRST NATIONAL BANK OF THE LAKES reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 51,707,000 | 47,990,000 | 48,740,000 | 55,289,000 |
| Total loans | 17,363,000 | 18,659,000 | 19,077,000 | 21,615,000 |
| Allowance for loan losses | 241,000 | 247,000 | 251,000 | 252,000 |
| Securities available for sale | 17,795,000 | 15,844,000 | 17,848,000 | 11,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,094,000 | 40,399,000 | 41,948,000 | 47,850,000 |
| Interest-bearing deposits | 20,471,000 | 19,090,000 | 19,942,000 | 20,767,000 |
| Noninterest-bearing deposits | 20,623,000 | 21,309,000 | 22,006,000 | 27,083,000 |
| Equity capital | 4,849,000 | 4,783,000 | 5,231,000 | 4,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 814,000 | 1,535,000 | 2,211,000 | 2,765,000 |
| Interest expense | 208,000 | 341,000 | 450,000 | 532,000 |
| Net interest income | 606,000 | 1,194,000 | 1,761,000 | 2,233,000 |
| Noninterest income | 273,000 | 615,000 | 929,000 | 1,270,000 |
| Noninterest expense | 551,000 | 1,180,000 | 1,835,000 | 2,831,000 |
| Provision for loan losses | 1,000 | 25,000 | 30,000 | 49,000 |
| Pretax income | 389,000 | 679,000 | 900,000 | 955,000 |
| Income tax | 38,000 | 68,000 | -36,000 | -36,000 |
| Net income | 351,000 | 611,000 | 936,000 | 991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,778,000 | 4,674,000 | 4,999,000 | 4,626,000 |
| Total capital | 5,019,000 | 4,921,000 | 5,250,000 | 4,878,000 |
| Risk-weighted assets | 23,895,000 | 25,316,000 | 26,050,000 | 28,099,000 |