Call reports 2012
FIRST NATIONAL BANK OF THE LAKES — 2012
What FIRST NATIONAL BANK OF THE LAKES reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 62,838,000 | 66,080,000 | 63,117,000 | 66,668,000 |
| Total loans | 25,498,000 | 26,371,000 | 24,398,000 | 25,393,000 |
| Allowance for loan losses | 557,000 | 560,000 | 560,000 | 536,000 |
| Securities available for sale | 3,274,000 | 4,205,000 | 4,223,000 | 4,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,987,000 | 60,166,000 | 57,140,000 | 60,790,000 |
| Interest-bearing deposits | 28,772,000 | 30,663,000 | 26,223,000 | 29,459,000 |
| Noninterest-bearing deposits | 28,215,000 | 29,504,000 | 30,917,000 | 31,331,000 |
| Equity capital | 5,790,000 | 5,802,000 | 5,836,000 | 5,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 379,000 | 765,000 | 1,178,000 | 1,580,000 |
| Interest expense | 14,000 | 32,000 | 47,000 | 58,000 |
| Net interest income | 365,000 | 733,000 | 1,131,000 | 1,522,000 |
| Noninterest income | 265,000 | 541,000 | 783,000 | 1,021,000 |
| Noninterest expense | 603,000 | 1,274,000 | 1,896,000 | 2,462,000 |
| Provision for loan losses | 23,000 | 57,000 | 62,000 | 122,000 |
| Pretax income | 4,000 | 42,000 | 55,000 | 58,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 4,000 | 41,000 | 54,000 | 57,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,576,000 | 5,652,000 | 5,664,000 | 5,667,000 |
| Total capital | 5,947,000 | 6,009,000 | 6,000,000 | 6,024,000 |
| Risk-weighted assets | 29,513,000 | 30,259,000 | 27,662,000 | 28,419,000 |