Call reports 2002
STATE BANK OF THE LAKES, NATIONAL ASSOCIATION — 2002
What STATE BANK OF THE LAKES, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 367,371,000 | 379,314,000 | 389,506,000 | 389,187,000 |
| Total loans | 216,654,000 | 238,957,000 | 245,021,000 | 253,647,000 |
| Allowance for loan losses | 2,658,000 | 2,686,000 | 2,733,000 | 2,699,000 |
| Securities available for sale | 108,252,000 | 95,096,000 | 100,424,000 | 95,101,000 |
| Securities held to maturity | 3,323,000 | 3,070,000 | 3,043,000 | 2,866,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,189,000 | 310,560,000 | 312,555,000 | 313,166,000 |
| Interest-bearing deposits | 260,450,000 | 268,260,000 | 268,609,000 | 271,180,000 |
| Noninterest-bearing deposits | 40,739,000 | 42,300,000 | 43,946,000 | 41,986,000 |
| Equity capital | 34,619,000 | 36,324,000 | 36,849,000 | 36,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,392,000 | 10,789,000 | 16,235,000 | 21,592,000 |
| Interest expense | 1,681,000 | 3,361,000 | 5,059,000 | 6,642,000 |
| Net interest income | 3,711,000 | 7,428,000 | 11,176,000 | 14,950,000 |
| Noninterest income | 1,125,000 | 2,327,000 | 3,687,000 | 5,710,000 |
| Noninterest expense | 3,031,000 | 6,114,000 | 9,241,000 | 12,632,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,700,000 | 3,431,000 | 5,307,000 | 7,608,000 |
| Income tax | 581,000 | 1,325,000 | 1,325,000 | 1,325,000 |
| Net income | 1,119,000 | 2,106,000 | 3,982,000 | 6,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,032,000 | 34,821,000 | 35,447,000 | 34,626,000 |
| Total capital | 36,690,000 | 37,507,000 | 38,180,000 | 37,325,000 |
| Risk-weighted assets | 274,222,000 | 294,884,000 | 308,702,000 | 313,455,000 |