Call reports 2004
STATE BANK OF THE LAKES, NATIONAL ASSOCIATION — 2004
What STATE BANK OF THE LAKES, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 407,485,000 | 437,080,000 | 442,914,000 | 437,918,000 |
| Total loans | 245,556,000 | 246,810,000 | 239,134,000 | 239,958,000 |
| Allowance for loan losses | 3,223,000 | 3,295,000 | 3,329,000 | 2,803,000 |
| Securities available for sale | 117,009,000 | 147,705,000 | 156,742,000 | 151,847,000 |
| Securities held to maturity | 872,000 | 755,000 | 741,000 | 528,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,099,000 | 362,922,000 | 365,766,000 | 366,767,000 |
| Interest-bearing deposits | 285,757,000 | 316,286,000 | 321,001,000 | 320,802,000 |
| Noninterest-bearing deposits | 45,342,000 | 46,636,000 | 44,765,000 | 45,965,000 |
| Equity capital | 40,312,000 | 37,517,000 | 39,871,000 | 39,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,914,000 | 9,929,000 | 15,172,000 | 20,510,000 |
| Interest expense | 1,279,000 | 2,637,000 | 4,156,000 | 5,770,000 |
| Net interest income | 3,635,000 | 7,292,000 | 11,016,000 | 14,740,000 |
| Noninterest income | 995,000 | 2,020,000 | 3,034,000 | 3,928,000 |
| Noninterest expense | 3,306,000 | 7,006,000 | 10,687,000 | 15,424,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 110,000 |
| Pretax income | 1,204,000 | 2,066,000 | 3,003,000 | 3,133,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,204,000 | 2,066,000 | 3,003,000 | 3,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,966,000 | 38,979,000 | 39,391,000 | 39,375,000 |
| Total capital | 42,189,000 | 42,274,000 | 42,720,000 | 42,178,000 |
| Risk-weighted assets | 303,147,000 | 309,455,000 | 303,292,000 | 303,837,000 |