Call reports 2013
FIRST NATIONAL BANK OF THE LAKES — 2013
What FIRST NATIONAL BANK OF THE LAKES reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 62,352,000 | 66,558,000 | 68,293,000 | 69,706,000 |
| Total loans | 24,996,000 | 26,002,000 | 26,975,000 | 28,327,000 |
| Allowance for loan losses | 536,000 | 535,000 | 497,000 | 485,000 |
| Securities available for sale | 4,198,000 | 4,135,000 | 4,386,000 | 4,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,433,000 | 60,643,000 | 62,282,000 | 63,687,000 |
| Interest-bearing deposits | 27,892,000 | 28,867,000 | 27,245,000 | 28,595,000 |
| Noninterest-bearing deposits | 28,541,000 | 31,775,000 | 35,037,000 | 35,092,000 |
| Equity capital | 5,838,000 | 5,793,000 | 5,849,000 | 5,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 371,000 | 755,000 | 1,149,000 | 1,609,000 |
| Interest expense | 11,000 | 21,000 | 30,000 | 41,000 |
| Net interest income | 360,000 | 734,000 | 1,119,000 | 1,568,000 |
| Noninterest income | 266,000 | 499,000 | 740,000 | 973,000 |
| Noninterest expense | 585,000 | 1,159,000 | 1,725,000 | 2,294,000 |
| Provision for loan losses | 21,000 | 24,000 | 28,000 | 38,000 |
| Pretax income | 20,000 | 50,000 | 106,000 | 209,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 20,000 | 49,000 | 105,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,687,000 | 5,715,000 | 5,772,000 | 5,875,000 |
| Total capital | 6,033,000 | 6,080,000 | 6,147,000 | 6,243,000 |
| Risk-weighted assets | 27,554,000 | 29,009,000 | 29,880,000 | 31,044,000 |