Call reports 2003
GREAT LAKES BANK, NATIONAL ASSOCIATION — 2003
What GREAT LAKES BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 664,987,000 | 688,664,000 | 714,856,000 | 707,775,000 |
| Total loans | 339,014,000 | 365,459,000 | 368,209,000 | 379,262,000 |
| Allowance for loan losses | 2,976,000 | 3,231,000 | 3,240,000 | 3,768,000 |
| Securities available for sale | 273,109,000 | 269,517,000 | 291,645,000 | 275,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 548,653,000 | 566,320,000 | 577,302,000 | 571,831,000 |
| Interest-bearing deposits | 436,851,000 | 453,860,000 | 454,653,000 | 527,275,000 |
| Noninterest-bearing deposits | 111,802,000 | 112,460,000 | 122,649,000 | 44,556,000 |
| Equity capital | 50,315,000 | 51,913,000 | 50,813,000 | 51,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 8,296,000 | 16,567,000 | 24,519,000 | 32,751,000 |
| Interest expense | 2,266,000 | 4,463,000 | 6,371,000 | 8,210,000 |
| Net interest income | 6,030,000 | 12,104,000 | 18,148,000 | 24,541,000 |
| Noninterest income | 1,763,000 | 3,561,000 | 5,160,000 | 6,747,000 |
| Noninterest expense | 5,553,000 | 11,419,000 | 17,455,000 | 23,430,000 |
| Provision for loan losses | 300,000 | 790,000 | 1,120,000 | 1,640,000 |
| Pretax income | 2,596,000 | 4,112,000 | 5,389,000 | 7,086,000 |
| Income tax | 880,000 | 1,115,000 | 1,537,000 | 2,099,000 |
| Net income | 1,716,000 | 2,997,000 | 3,852,000 | 4,987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,437,000 | 47,718,000 | 48,573,000 | 49,650,000 |
| Total capital | 49,413,000 | 50,949,000 | 51,813,000 | 53,418,000 |
| Risk-weighted assets | 398,022,000 | 416,004,000 | 421,733,000 | 438,656,000 |