Call reports 2015
FIRST NATIONAL BANK OF THE LAKES — 2015
What FIRST NATIONAL BANK OF THE LAKES reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 71,067,000 | 73,615,000 | 76,370,000 | 78,913,000 |
| Total loans | 28,930,000 | 29,283,000 | 30,167,000 | 30,020,000 |
| Allowance for loan losses | 463,000 | 463,000 | 463,000 | 458,000 |
| Securities available for sale | 4,571,000 | 4,064,000 | 4,071,000 | 4,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,759,000 | 67,279,000 | 69,906,000 | 72,501,000 |
| Interest-bearing deposits | 31,653,000 | 32,217,000 | 31,615,000 | 32,569,000 |
| Noninterest-bearing deposits | 33,106,000 | 35,062,000 | 38,291,000 | 39,932,000 |
| Equity capital | 6,172,000 | 6,230,000 | 6,293,000 | 6,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 815,000 | 1,262,000 | 1,708,000 |
| Interest expense | 11,000 | 20,000 | 33,000 | 44,000 |
| Net interest income | 393,000 | 795,000 | 1,229,000 | 1,664,000 |
| Noninterest income | 189,000 | 392,000 | 594,000 | 781,000 |
| Noninterest expense | 562,000 | 1,102,000 | 1,677,000 | 2,228,000 |
| Provision for loan losses | 8,000 | 10,000 | 17,000 | 20,000 |
| Pretax income | 88,000 | 151,000 | 205,000 | 273,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 88,000 | 151,000 | 205,000 | 273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,161,000 | 6,225,000 | 6,280,000 | 6,347,000 |
| Total capital | 6,550,000 | 6,622,000 | 6,685,000 | 6,752,000 |
| Risk-weighted assets | 31,197,000 | 31,665,000 | 32,389,000 | 32,413,000 |