Call reports 2005
STATE BANK OF THE LAKES, NATIONAL ASSOCIATION — 2005
What STATE BANK OF THE LAKES, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 517,823,000 | 541,866,000 | 550,092,000 | 548,599,000 |
| Total loans | 259,339,000 | 272,749,000 | 276,453,000 | 271,228,000 |
| Allowance for loan losses | 2,926,000 | 2,916,000 | 2,844,000 | 2,823,000 |
| Securities available for sale | 114,487,000 | 95,299,000 | 158,573,000 | 150,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,568,000 | 400,559,000 | 414,282,000 | 415,261,000 |
| Interest-bearing deposits | 333,335,000 | 350,035,000 | 361,323,000 | 362,024,000 |
| Noninterest-bearing deposits | 52,233,000 | 50,524,000 | 52,959,000 | 53,237,000 |
| Equity capital | 99,504,000 | 101,763,000 | 101,021,000 | 99,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,614,000 | 11,741,000 | 18,228,000 | 24,931,000 |
| Interest expense | 1,595,000 | 3,436,000 | 5,619,000 | 8,102,000 |
| Net interest income | 4,019,000 | 8,305,000 | 12,609,000 | 16,829,000 |
| Noninterest income | 944,000 | 2,250,000 | 3,596,000 | 4,566,000 |
| Noninterest expense | 3,329,000 | 6,581,000 | 9,970,000 | 13,163,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 175,000 |
| Pretax income | 1,589,000 | 3,984,000 | 6,200,000 | 8,157,000 |
| Income tax | 553,000 | 1,400,000 | 2,152,000 | 2,807,000 |
| Net income | 1,036,000 | 2,584,000 | 4,048,000 | 5,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,754,000 | 44,435,000 | 44,144,000 | 43,837,000 |
| Total capital | 45,680,000 | 47,351,000 | 46,988,000 | 46,688,000 |
| Risk-weighted assets | 331,867,000 | 327,342,000 | 329,385,000 | 331,310,000 |
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