Call reports 2005
GREAT LAKES BANK, NATIONAL ASSOCIATION — 2005
What GREAT LAKES BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 702,093,000 | 707,384,000 | 708,864,000 | 728,146,000 |
| Total loans | 408,830,000 | 423,594,000 | 436,445,000 | 442,046,000 |
| Allowance for loan losses | 4,224,000 | 4,337,000 | 4,511,000 | 4,678,000 |
| Securities available for sale | 245,836,000 | 234,852,000 | 223,992,000 | 234,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 577,535,000 | 575,755,000 | 575,577,000 | 583,279,000 |
| Interest-bearing deposits | 448,891,000 | 446,271,000 | 444,744,000 | 444,679,000 |
| Noninterest-bearing deposits | 128,644,000 | 129,484,000 | 130,833,000 | 138,600,000 |
| Equity capital | 50,483,000 | 53,513,000 | 53,685,000 | 51,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,464,000 | 17,723,000 | 26,885,000 | 36,402,000 |
| Interest expense | 2,088,000 | 4,459,000 | 7,109,000 | 10,122,000 |
| Net interest income | 6,376,000 | 13,264,000 | 19,776,000 | 26,280,000 |
| Noninterest income | 1,851,000 | 3,496,000 | 5,271,000 | 7,187,000 |
| Noninterest expense | 6,170,000 | 12,537,000 | 18,382,000 | 24,399,000 |
| Provision for loan losses | 250,000 | 400,000 | 515,000 | 745,000 |
| Pretax income | 1,807,000 | 3,848,000 | 6,075,000 | 8,248,000 |
| Income tax | 601,000 | 1,270,000 | 2,002,000 | 2,710,000 |
| Net income | 1,206,000 | 2,578,000 | 4,073,000 | 5,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,116,000 | 53,488,000 | 54,983,000 | 53,448,000 |
| Total capital | 56,340,000 | 57,825,000 | 59,494,000 | 58,126,000 |
| Risk-weighted assets | 463,571,000 | 474,951,000 | 480,118,000 | 486,650,000 |