Call reports 2010
FIRST NATIONAL BANK OF THE LAKES — 2010
What FIRST NATIONAL BANK OF THE LAKES reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 60,021,000 | 60,377,000 | 58,489,000 | 57,045,000 |
| Total loans | 27,503,000 | 26,074,000 | 24,771,000 | 24,213,000 |
| Allowance for loan losses | 410,000 | 524,000 | 614,000 | 610,000 |
| Securities available for sale | 3,447,000 | 3,517,000 | 3,513,000 | 3,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,195,000 | 54,489,000 | 52,334,000 | 50,965,000 |
| Interest-bearing deposits | 25,969,000 | 23,206,000 | 23,814,000 | 24,051,000 |
| Noninterest-bearing deposits | 27,226,000 | 31,283,000 | 28,519,000 | 26,913,000 |
| Equity capital | 5,944,000 | 5,770,000 | 5,613,000 | 5,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 454,000 | 882,000 | 1,324,000 | 1,718,000 |
| Interest expense | 32,000 | 62,000 | 89,000 | 110,000 |
| Net interest income | 422,000 | 820,000 | 1,235,000 | 1,608,000 |
| Noninterest income | 322,000 | 656,000 | 860,000 | 1,146,000 |
| Noninterest expense | 666,000 | 1,369,000 | 2,129,000 | 2,827,000 |
| Provision for loan losses | 55,000 | 260,000 | 276,000 | 276,000 |
| Pretax income | 23,000 | -153,000 | -310,000 | -349,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 23,000 | -154,000 | -311,000 | -350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,942,000 | 5,765,000 | 5,609,000 | 5,569,000 |
| Total capital | 6,352,000 | 6,219,000 | 6,035,000 | 5,984,000 |
| Risk-weighted assets | 37,686,000 | 36,211,000 | 33,922,000 | 33,018,000 |