Call reports 2009
STATE BANK OF THE LAKES, NATIONAL ASSOCIATION — 2009
What STATE BANK OF THE LAKES, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 650,867,000 | 692,103,000 | 706,649,000 | 707,535,000 |
| Total loans | 412,941,000 | 443,270,000 | 415,369,000 | 425,890,000 |
| Allowance for loan losses | 2,539,000 | 3,006,000 | 3,913,000 | 3,595,000 |
| Securities available for sale | 82,949,000 | 89,315,000 | 115,870,000 | 75,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 515,359,000 | 558,667,000 | 572,309,000 | 569,964,000 |
| Interest-bearing deposits | 454,341,000 | 503,770,000 | 533,057,000 | 525,130,000 |
| Noninterest-bearing deposits | 61,018,000 | 54,897,000 | 39,252,000 | 44,834,000 |
| Equity capital | 107,404,000 | 108,333,000 | 109,414,000 | 106,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,012,000 | 14,420,000 | 22,882,000 | 30,459,000 |
| Interest expense | 2,410,000 | 4,637,000 | 6,838,000 | 8,833,000 |
| Net interest income | 4,602,000 | 9,783,000 | 16,044,000 | 21,626,000 |
| Noninterest income | 1,312,000 | 3,373,000 | 4,692,000 | 5,996,000 |
| Noninterest expense | 3,853,000 | 8,023,000 | 11,977,000 | 15,860,000 |
| Provision for loan losses | 165,000 | 995,000 | 4,048,000 | 4,487,000 |
| Pretax income | 1,884,000 | 4,126,000 | 4,699,000 | 7,263,000 |
| Income tax | 573,000 | 1,318,000 | 1,392,000 | 2,304,000 |
| Net income | 1,311,000 | 2,808,000 | 3,307,000 | 4,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,344,000 | 52,909,000 | 53,570,000 | 50,336,000 |
| Total capital | 53,906,000 | 55,939,000 | 57,507,000 | 53,954,000 |
| Risk-weighted assets | 510,308,000 | 539,259,000 | 511,244,000 | 508,920,000 |