Call reports 2004
FIRST NATIONAL BANK OF THE LAKES — 2004
What FIRST NATIONAL BANK OF THE LAKES reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 68,866,000 | 58,735,000 | 62,154,000 | 66,410,000 |
| Total loans | 28,435,000 | 30,644,000 | 32,379,000 | 31,088,000 |
| Allowance for loan losses | 281,000 | 289,000 | 291,000 | 293,000 |
| Securities available for sale | 12,373,000 | 12,115,000 | 10,190,000 | 10,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,384,000 | 53,398,000 | 56,513,000 | 59,901,000 |
| Interest-bearing deposits | 25,705,000 | 23,763,000 | 23,487,000 | 24,346,000 |
| Noninterest-bearing deposits | 29,679,000 | 29,635,000 | 33,026,000 | 35,555,000 |
| Equity capital | 5,216,000 | 5,075,000 | 5,267,000 | 4,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 518,000 | 1,059,000 | 1,640,000 | 2,264,000 |
| Interest expense | 35,000 | 70,000 | 98,000 | 127,000 |
| Net interest income | 483,000 | 989,000 | 1,542,000 | 2,137,000 |
| Noninterest income | 357,000 | 721,000 | 1,108,000 | 1,478,000 |
| Noninterest expense | 605,000 | 1,286,000 | 1,998,000 | 2,910,000 |
| Provision for loan losses | 0 | 2,000 | 7,000 | 26,000 |
| Pretax income | 235,000 | 422,000 | 645,000 | 679,000 |
| Income tax | 0 | 1,000 | 1,000 | 2,000 |
| Net income | 235,000 | 421,000 | 644,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,133,000 | 5,215,000 | 5,310,000 | 5,064,000 |
| Total capital | 5,414,000 | 5,504,000 | 5,601,000 | 5,357,000 |
| Risk-weighted assets | 38,584,000 | 37,882,000 | 39,589,000 | 40,165,000 |