Call reports 2003
STATE BANK OF THE LAKES, NATIONAL ASSOCIATION — 2003
What STATE BANK OF THE LAKES, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 394,789,000 | 412,347,000 | 405,324,000 | 403,857,000 |
| Total loans | 257,265,000 | 257,307,000 | 248,037,000 | 244,613,000 |
| Allowance for loan losses | 2,841,000 | 3,019,000 | 3,110,000 | 3,127,000 |
| Securities available for sale | 94,085,000 | 110,350,000 | 116,280,000 | 121,563,000 |
| Securities held to maturity | 2,207,000 | 1,786,000 | 1,214,000 | 891,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,559,000 | 336,492,000 | 328,448,000 | 329,441,000 |
| Interest-bearing deposits | 277,557,000 | 288,916,000 | 286,845,000 | 286,084,000 |
| Noninterest-bearing deposits | 46,002,000 | 47,576,000 | 41,602,000 | 43,357,000 |
| Equity capital | 37,313,000 | 38,346,000 | 37,689,000 | 38,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,026,000 | 9,904,000 | 14,736,000 | 19,642,000 |
| Interest expense | 1,405,000 | 2,767,000 | 4,071,000 | 5,386,000 |
| Net interest income | 3,621,000 | 7,137,000 | 10,665,000 | 14,256,000 |
| Noninterest income | 1,774,000 | 3,624,000 | 5,820,000 | 6,850,000 |
| Noninterest expense | 3,238,000 | 6,611,000 | 10,044,000 | 13,539,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 2,037,000 | 3,910,000 | 6,081,000 | 7,087,000 |
| Income tax | 28,000 | 28,000 | 28,000 | 28,000 |
| Net income | 2,009,000 | 3,882,000 | 6,053,000 | 7,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,821,000 | 36,816,000 | 37,697,000 | 37,935,000 |
| Total capital | 38,662,000 | 39,835,000 | 40,807,000 | 41,062,000 |
| Risk-weighted assets | 325,071,000 | 326,027,000 | 302,095,000 | 303,770,000 |