Call reports 2005
FIRST NATIONAL BANK OF THE LAKES — 2005
What FIRST NATIONAL BANK OF THE LAKES reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 61,407,000 | 60,408,000 | 63,253,000 | 66,992,000 |
| Total loans | 32,069,000 | 34,409,000 | 33,301,000 | 31,475,000 |
| Allowance for loan losses | 297,000 | 299,000 | 300,000 | 302,000 |
| Securities available for sale | 10,057,000 | 7,592,000 | 12,022,000 | 13,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,667,000 | 54,614,000 | 55,919,000 | 60,708,000 |
| Interest-bearing deposits | 25,228,000 | 21,001,000 | 21,683,000 | 25,830,000 |
| Noninterest-bearing deposits | 30,439,000 | 33,613,000 | 34,236,000 | 34,878,000 |
| Equity capital | 5,211,000 | 5,359,000 | 5,710,000 | 5,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 630,000 | 1,333,000 | 2,119,000 | 2,920,000 |
| Interest expense | 32,000 | 82,000 | 146,000 | 235,000 |
| Net interest income | 598,000 | 1,251,000 | 1,973,000 | 2,685,000 |
| Noninterest income | 315,000 | 651,000 | 988,000 | 1,322,000 |
| Noninterest expense | 627,000 | 1,344,000 | 2,037,000 | 3,060,000 |
| Provision for loan losses | 2,000 | 38,000 | 46,000 | 57,000 |
| Pretax income | 284,000 | 528,000 | 894,000 | 906,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 284,000 | 528,000 | 893,000 | 905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,348,000 | 5,443,000 | 5,808,000 | 5,291,000 |
| Total capital | 5,645,000 | 5,742,000 | 6,108,000 | 5,593,000 |
| Risk-weighted assets | 40,175,000 | 41,710,000 | 42,390,000 | 41,975,000 |