Call reports 2009
FIRST NATIONAL BANK OF THE LAKES — 2009
What FIRST NATIONAL BANK OF THE LAKES reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 57,961,000 | 60,155,000 | 60,672,000 | 64,593,000 |
| Total loans | 31,076,000 | 30,616,000 | 29,796,000 | 28,644,000 |
| Allowance for loan losses | 398,000 | 354,000 | 354,000 | 501,000 |
| Securities available for sale | 3,867,000 | 3,873,000 | 3,479,000 | 3,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,192,000 | 54,010,000 | 54,640,000 | 57,704,000 |
| Interest-bearing deposits | 25,634,000 | 26,965,000 | 24,659,000 | 26,666,000 |
| Noninterest-bearing deposits | 26,558,000 | 27,045,000 | 29,980,000 | 31,038,000 |
| Equity capital | 5,380,000 | 5,848,000 | 5,843,000 | 5,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,123,000 | 1,639,000 | 2,145,000 |
| Interest expense | 69,000 | 130,000 | 178,000 | 215,000 |
| Net interest income | 499,000 | 993,000 | 1,461,000 | 1,930,000 |
| Noninterest income | 319,000 | 655,000 | 984,000 | 1,439,000 |
| Noninterest expense | 738,000 | 1,400,000 | 2,035,000 | 2,690,000 |
| Provision for loan losses | 274,000 | 319,000 | 487,000 | 668,000 |
| Pretax income | -194,000 | -71,000 | -77,000 | 11,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | -195,000 | -72,000 | -79,000 | 9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,362,000 | 5,838,000 | 5,832,000 | 5,920,000 |
| Total capital | 5,760,000 | 6,192,000 | 6,186,000 | 6,407,000 |
| Risk-weighted assets | 40,321,000 | 40,031,000 | 39,057,000 | 39,701,000 |