Call reports 2006
STATE BANK OF THE LAKES, NATIONAL ASSOCIATION — 2006
What STATE BANK OF THE LAKES, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 542,994,000 | 550,150,000 | 584,094,000 | 570,496,000 |
| Total loans | 279,665,000 | 280,874,000 | 288,566,000 | 287,960,000 |
| Allowance for loan losses | 2,814,000 | 2,781,000 | 2,753,000 | 2,703,000 |
| Securities available for sale | 142,630,000 | 131,433,000 | 136,242,000 | 149,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,623,000 | 417,340,000 | 437,899,000 | 438,664,000 |
| Interest-bearing deposits | 354,049,000 | 366,310,000 | 387,252,000 | 388,120,000 |
| Noninterest-bearing deposits | 52,574,000 | 51,030,000 | 50,647,000 | 50,544,000 |
| Equity capital | 99,652,000 | 97,927,000 | 99,628,000 | 100,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,686,000 | 13,621,000 | 21,064,000 | 28,614,000 |
| Interest expense | 2,523,000 | 5,347,000 | 8,808,000 | 12,326,000 |
| Net interest income | 4,163,000 | 8,274,000 | 12,256,000 | 16,288,000 |
| Noninterest income | 1,037,000 | 2,178,000 | 2,969,000 | 3,794,000 |
| Noninterest expense | 3,370,000 | 6,819,000 | 10,412,000 | 13,965,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 0 |
| Pretax income | 1,800,000 | 3,603,000 | 4,783,000 | 6,117,000 |
| Income tax | 614,000 | 1,207,000 | 1,572,000 | 1,998,000 |
| Net income | 1,186,000 | 2,396,000 | 3,211,000 | 4,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,188,000 | 44,094,000 | 44,140,000 | 44,288,000 |
| Total capital | 47,030,000 | 46,904,000 | 46,893,000 | 47,020,000 |
| Risk-weighted assets | 345,339,000 | 355,757,000 | 371,197,000 | 382,854,000 |