Call reports 2007
FIRST NATIONAL BANK OF THE LAKES — 2007
What FIRST NATIONAL BANK OF THE LAKES reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 57,255,000 | 61,693,000 | 61,262,000 | 64,164,000 |
| Total loans | 29,353,000 | 30,293,000 | 29,657,000 | 30,132,000 |
| Allowance for loan losses | 311,000 | 311,000 | 313,000 | 314,000 |
| Securities available for sale | 13,020,000 | 14,901,000 | 15,065,000 | 15,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,195,000 | 55,475,000 | 54,416,000 | 57,351,000 |
| Interest-bearing deposits | 23,500,000 | 25,021,000 | 25,506,000 | 28,760,000 |
| Noninterest-bearing deposits | 27,695,000 | 30,454,000 | 28,910,000 | 28,591,000 |
| Equity capital | 5,622,000 | 5,588,000 | 5,916,000 | 5,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 883,000 | 1,767,000 | 2,708,000 | 3,612,000 |
| Interest expense | 168,000 | 327,000 | 512,000 | 678,000 |
| Net interest income | 715,000 | 1,440,000 | 2,196,000 | 2,934,000 |
| Noninterest income | 327,000 | 645,000 | 977,000 | 1,301,000 |
| Noninterest expense | 744,000 | 1,562,000 | 2,421,000 | 3,820,000 |
| Provision for loan losses | 142,000 | 176,000 | 181,000 | 188,000 |
| Pretax income | 156,000 | 347,000 | 571,000 | 227,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 155,000 | 346,000 | 569,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,656,000 | 5,722,000 | 5,874,000 | 5,425,000 |
| Total capital | 5,967,000 | 6,033,000 | 6,187,000 | 5,739,000 |
| Risk-weighted assets | 38,790,000 | 40,461,000 | 39,440,000 | 40,124,000 |