Call reports 2008
STATE BANK OF THE LAKES, NATIONAL ASSOCIATION — 2008
What STATE BANK OF THE LAKES, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 587,257,000 | 643,213,000 | 640,548,000 | 637,240,000 |
| Total loans | 357,390,000 | 390,321,000 | 395,897,000 | 397,145,000 |
| Allowance for loan losses | 2,606,000 | 2,596,000 | 2,579,000 | 2,629,000 |
| Securities available for sale | 49,064,000 | 112,445,000 | 106,610,000 | 43,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 435,598,000 | 482,468,000 | 496,477,000 | 495,499,000 |
| Interest-bearing deposits | 386,164,000 | 437,115,000 | 455,101,000 | 441,072,000 |
| Noninterest-bearing deposits | 49,434,000 | 45,353,000 | 41,376,000 | 54,427,000 |
| Equity capital | 103,539,000 | 102,545,000 | 104,794,000 | 106,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,552,000 | 14,794,000 | 22,297,000 | 29,799,000 |
| Interest expense | 3,174,000 | 6,168,000 | 9,204,000 | 12,118,000 |
| Net interest income | 4,378,000 | 8,626,000 | 13,093,000 | 17,681,000 |
| Noninterest income | 1,345,000 | 3,803,000 | 5,037,000 | 6,228,000 |
| Noninterest expense | 3,546,000 | 7,009,000 | 10,642,000 | 14,577,000 |
| Provision for loan losses | 156,000 | 319,000 | 544,000 | 1,034,000 |
| Pretax income | 2,035,000 | 5,115,000 | 6,966,000 | 8,346,000 |
| Income tax | 694,000 | 1,811,000 | 2,443,000 | 2,840,000 |
| Net income | 1,341,000 | 3,304,000 | 4,523,000 | 5,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,958,000 | 47,278,000 | 48,672,000 | 49,860,000 |
| Total capital | 49,595,000 | 49,905,000 | 51,282,000 | 52,512,000 |
| Risk-weighted assets | 442,527,000 | 492,291,000 | 496,720,000 | 485,587,000 |