Call reports 2007
STATE BANK OF THE LAKES, NATIONAL ASSOCIATION — 2007
What STATE BANK OF THE LAKES, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 558,732,000 | 555,397,000 | 572,000,000 | 573,144,000 |
| Total loans | 300,343,000 | 332,523,000 | 359,112,000 | 356,236,000 |
| Allowance for loan losses | 2,622,000 | 2,632,000 | 2,548,000 | 2,572,000 |
| Securities available for sale | 114,226,000 | 100,299,000 | 97,539,000 | 77,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,053,000 | 427,044,000 | 437,668,000 | 441,787,000 |
| Interest-bearing deposits | 375,693,000 | 377,773,000 | 389,747,000 | 394,084,000 |
| Noninterest-bearing deposits | 54,360,000 | 49,271,000 | 47,921,000 | 47,703,000 |
| Equity capital | 100,387,000 | 99,195,000 | 100,325,000 | 101,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,403,000 | 14,919,000 | 22,947,000 | 31,256,000 |
| Interest expense | 3,333,000 | 6,615,000 | 10,243,000 | 14,093,000 |
| Net interest income | 4,070,000 | 8,304,000 | 12,704,000 | 17,163,000 |
| Noninterest income | 877,000 | 1,958,000 | 2,675,000 | 3,644,000 |
| Noninterest expense | 3,417,000 | 6,725,000 | 10,113,000 | 13,617,000 |
| Provision for loan losses | 0 | 0 | 0 | 111,000 |
| Pretax income | 1,530,000 | 3,557,000 | 5,286,000 | 7,120,000 |
| Income tax | 473,000 | 1,151,000 | 1,723,000 | 2,311,000 |
| Net income | 1,057,000 | 2,406,000 | 3,563,000 | 4,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,647,000 | 45,131,000 | 45,059,000 | 45,425,000 |
| Total capital | 47,299,000 | 47,793,000 | 47,637,000 | 48,028,000 |
| Risk-weighted assets | 393,441,000 | 413,949,000 | 438,163,000 | 437,742,000 |