Call reports 2006
FIRST NATIONAL BANK OF THE LAKES — 2006
What FIRST NATIONAL BANK OF THE LAKES reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 57,092,000 | 57,816,000 | 57,744,000 | 59,276,000 |
| Total loans | 31,596,000 | 31,567,000 | 31,304,000 | 31,421,000 |
| Allowance for loan losses | 303,000 | 307,000 | 308,000 | 309,000 |
| Securities available for sale | 13,959,000 | 13,875,000 | 11,994,000 | 11,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,003,000 | 51,869,000 | 51,315,000 | 53,046,000 |
| Interest-bearing deposits | 21,392,000 | 22,566,000 | 21,875,000 | 22,879,000 |
| Noninterest-bearing deposits | 29,611,000 | 29,303,000 | 29,440,000 | 30,167,000 |
| Equity capital | 5,496,000 | 5,571,000 | 5,721,000 | 5,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 842,000 | 1,733,000 | 2,639,000 | 3,550,000 |
| Interest expense | 98,000 | 219,000 | 361,000 | 509,000 |
| Net interest income | 744,000 | 1,514,000 | 2,278,000 | 3,041,000 |
| Noninterest income | 311,000 | 659,000 | 1,000,000 | 1,328,000 |
| Noninterest expense | 691,000 | 1,408,000 | 2,262,000 | 3,366,000 |
| Provision for loan losses | 2,000 | 33,000 | 35,000 | 85,000 |
| Pretax income | 362,000 | 732,000 | 981,000 | 918,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 361,000 | 731,000 | 979,000 | 916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,678,000 | 5,823,000 | 5,840,000 | 5,502,000 |
| Total capital | 5,981,000 | 6,130,000 | 6,148,000 | 5,811,000 |
| Risk-weighted assets | 40,275,000 | 40,470,000 | 41,013,000 | 42,508,000 |