Vitals
  • Total Assets
    75.7M 6.5 %
  • Total Deposits
    69.1M 6.8 %
  • Total Net Loans
    29.1M 2.4 %
  • Net Income
    143000.0000 62.5 %
  • Book Value
    6.5M 5.3 %
  • Book Value x2
    13.0M 5.3 %
  • Book Value x3
    19.5M 5.3 %
ROAA

.741

ROAE

8.908

Efficiency Ratio

79.325

Net Interest Margin

3.024

Balance Sheet Highlights
Financial Highlights First National Bank Of The Lakes All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 75,710 138,470
Total Net Loans 29,148 90,728
Total Deposits 69,139 118,251
Total Equity 6,498 15,041
Profitability
Net Income 143 397
Return on Average Assets .741 1.037
Return on Average Equity 8.908 9.666
Net Interest Margin 3.024 3.809
Efficiency Ratio 79.325 68.539
Noninterest Income/Revenue 38.003 13.003
Balance Sheet Ratios
Loan-to-Deposit 42.159 74.969
Securities/Assets .093 .178
Total Equity/Total Assets .086 .109
Tangible Equity/Tangible Assets .086 .107
Capital Adequacy
Tier 1 Common Capital 6,490 14,290
Tier 1 Capital 6,490 14,297
Tier 2 Capital 401 1,074
Total Capital 6,891 15,391
Total Risk Weighted Assets 32,041 98,693
Leverage Ratio 8.4 10.399
Common Equity Tier 1 Capital Ratio 20.26 15.357
Tier 1 Capital Ratio 20.26 15.369
Total Capital Ratio 21.51 16.468

Timeline for First National Bank Of The Lakes

Bridgewater Bank

First National Bank Of The Lakes was acquired by Bridgewater Bank 8 years

View Profile May 21 2016

Orono Financial, Inc.

Orono Financial, Inc. became a new parent organization for First National Bank Of The Lakes.

View Profile Dec 31 1970

First National Bank Of The Lakes

First National Bank Of The Lakes was established 60 years ago and is currently headquartered in Navarre, MN.

May 01 1964
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bridgewater Bank Buyer 1,181,527 Acquisition Discontinued 5/21/2016
Relationships Role Relationship Start Relationship End
Orono Financial, Inc. Parent 12/27/1996 5/20/2016
Orono Financial, Inc. Parent 12/31/1990 12/26/1996
Orono Financial, Inc. Parent 12/31/1983 12/30/1990
Orono Financial, Inc. Parent 12/31/1980 12/30/1983
Orono Financial, Inc. Parent 12/31/1978 12/30/1980
Orono Financial, Inc. Parent 12/31/1974 12/30/1978
Orono Financial, Inc. Parent 12/31/1972 12/30/1974
Orono Financial, Inc. Parent 12/31/1970 12/30/1972
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