Call reports 2005
BANK OF LAKE MILLS — 2005
What BANK OF LAKE MILLS 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 | 112,929,000 | 110,958,000 | 127,556,000 | 114,315,000 |
| Total loans | 89,475,000 | 88,219,000 | 107,052,000 | 86,370,000 |
| Allowance for loan losses | 1,051,000 | 1,285,000 | 1,323,000 | 1,248,000 |
| Securities available for sale | 13,052,000 | 12,852,000 | 11,895,000 | 14,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,279,000 | 94,722,000 | 94,048,000 | 95,853,000 |
| Interest-bearing deposits | 83,950,000 | 84,545,000 | 82,240,000 | 85,000,000 |
| Noninterest-bearing deposits | 9,329,000 | 10,177,000 | 11,808,000 | 10,853,000 |
| Equity capital | 11,075,000 | 11,168,000 | 11,642,000 | 11,823,000 |
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 | 1,570,000 | 3,140,000 | 4,852,000 | 6,527,000 |
| Interest expense | 505,000 | 1,041,000 | 1,641,000 | 2,383,000 |
| Net interest income | 1,065,000 | 2,099,000 | 3,211,000 | 4,144,000 |
| Noninterest income | 159,000 | 355,000 | 657,000 | 1,141,000 |
| Noninterest expense | 590,000 | 1,169,000 | 1,835,000 | 2,623,000 |
| Provision for loan losses | 89,000 | 436,000 | 436,000 | 377,000 |
| Pretax income | 545,000 | 849,000 | 1,597,000 | 2,257,000 |
| Income tax | 3,000 | 4,000 | 5,000 | 6,000 |
| Net income | 542,000 | 845,000 | 1,592,000 | 2,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,206,000 | 11,250,000 | 11,738,000 | 11,979,000 |
| Total capital | 12,257,000 | 12,307,000 | 12,861,000 | 13,065,000 |
| Risk-weighted assets | 108,972,000 | 84,305,000 | 89,647,000 | 86,717,000 |