Call reports 2002
FIRST NATIONAL BANK OF THE LAKES — 2002
What FIRST NATIONAL BANK OF THE LAKES reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 48,581,000 | 54,426,000 | 53,652,000 | 62,410,000 |
| Total loans | 21,511,000 | 22,888,000 | 23,983,000 | 24,834,000 |
| Allowance for loan losses | 256,000 | 259,000 | 266,000 | 268,000 |
| Securities available for sale | 9,054,000 | 12,208,000 | 14,151,000 | 21,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,475,000 | 46,542,000 | 45,444,000 | 50,970,000 |
| Interest-bearing deposits | 20,777,000 | 21,030,000 | 20,345,000 | 18,532,000 |
| Noninterest-bearing deposits | 21,698,000 | 25,512,000 | 25,099,000 | 32,438,000 |
| Equity capital | 4,813,000 | 4,874,000 | 5,094,000 | 4,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 527,000 | 1,068,000 | 1,645,000 | 2,204,000 |
| Interest expense | 75,000 | 140,000 | 204,000 | 257,000 |
| Net interest income | 452,000 | 928,000 | 1,441,000 | 1,947,000 |
| Noninterest income | 348,000 | 711,000 | 1,087,000 | 1,448,000 |
| Noninterest expense | 627,000 | 1,287,000 | 1,970,000 | 2,865,000 |
| Provision for loan losses | 1,000 | 2,000 | 4,000 | 46,000 |
| Pretax income | 172,000 | 350,000 | 600,000 | 530,000 |
| Income tax | 0 | 4,000 | 5,000 | 4,000 |
| Net income | 172,000 | 346,000 | 595,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,798,000 | 4,812,000 | 4,927,000 | 4,716,000 |
| Total capital | 5,054,000 | 5,071,000 | 5,193,000 | 4,984,000 |
| Risk-weighted assets | 26,596,000 | 30,159,000 | 31,313,000 | 33,693,000 |