Call reports 2003
FIRST NATIONAL BANK OF THE LAKES — 2003
What FIRST NATIONAL BANK OF THE LAKES reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 59,176,000 | 57,805,000 | 60,135,000 | 64,938,000 |
| Total loans | 24,749,000 | 27,444,000 | 28,169,000 | 27,289,000 |
| Allowance for loan losses | 274,000 | 277,000 | 278,000 | 281,000 |
| Securities available for sale | 12,253,000 | 9,186,000 | 9,157,000 | 11,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,091,000 | 50,123,000 | 51,129,000 | 54,294,000 |
| Interest-bearing deposits | 21,821,000 | 21,710,000 | 21,564,000 | 23,271,000 |
| Noninterest-bearing deposits | 24,270,000 | 28,413,000 | 29,565,000 | 31,023,000 |
| Equity capital | 5,163,000 | 5,152,000 | 5,166,000 | 4,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 525,000 | 1,035,000 | 1,557,000 | 2,055,000 |
| Interest expense | 53,000 | 91,000 | 122,000 | 153,000 |
| Net interest income | 472,000 | 944,000 | 1,435,000 | 1,902,000 |
| Noninterest income | 344,000 | 715,000 | 1,086,000 | 1,443,000 |
| Noninterest expense | 607,000 | 1,299,000 | 1,976,000 | 2,790,000 |
| Provision for loan losses | 2,000 | 17,000 | 27,000 | 49,000 |
| Pretax income | 414,000 | 550,000 | 726,000 | 714,000 |
| Income tax | 0 | 0 | 1,000 | 2,000 |
| Net income | 414,000 | 550,000 | 725,000 | 712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,129,000 | 5,110,000 | 5,146,000 | 4,898,000 |
| Total capital | 5,403,000 | 5,387,000 | 5,424,000 | 5,179,000 |
| Risk-weighted assets | 33,334,000 | 35,232,000 | 34,682,000 | 35,747,000 |