Call reports 2004
GREAT LAKES BANK, NATIONAL ASSOCIATION — 2004
What GREAT LAKES BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 694,115,000 | 686,295,000 | 697,094,000 | 714,469,000 |
| Total loans | 384,181,000 | 393,354,000 | 396,047,000 | 407,862,000 |
| Allowance for loan losses | 4,064,000 | 3,752,000 | 3,917,000 | 3,856,000 |
| Securities available for sale | 253,106,000 | 244,904,000 | 254,317,000 | 252,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 575,575,000 | 567,948,000 | 576,250,000 | 582,997,000 |
| Interest-bearing deposits | 526,426,000 | 443,285,000 | 446,440,000 | 444,156,000 |
| Noninterest-bearing deposits | 49,149,000 | 124,663,000 | 129,810,000 | 138,841,000 |
| Equity capital | 52,163,000 | 48,918,000 | 52,894,000 | 53,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,220,000 | 16,185,000 | 24,316,000 | 32,688,000 |
| Interest expense | 1,774,000 | 3,434,000 | 5,184,000 | 7,090,000 |
| Net interest income | 6,446,000 | 12,751,000 | 19,132,000 | 25,598,000 |
| Noninterest income | 1,606,000 | 3,243,000 | 4,936,000 | 6,487,000 |
| Noninterest expense | 6,005,000 | 12,027,000 | 18,137,000 | 24,177,000 |
| Provision for loan losses | 323,000 | 473,000 | 713,000 | 993,000 |
| Pretax income | 2,552,000 | 4,325,000 | 6,049,000 | 7,742,000 |
| Income tax | 831,000 | 1,424,000 | 1,986,000 | 2,540,000 |
| Net income | 1,721,000 | 2,901,000 | 4,063,000 | 5,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,371,000 | 50,609,000 | 51,771,000 | 52,910,000 |
| Total capital | 53,435,000 | 54,361,000 | 55,688,000 | 56,766,000 |
| Risk-weighted assets | 433,383,000 | 442,136,000 | 446,016,000 | 464,489,000 |