Call reports 2015
WISCONSIN BANK & TRUST — 2015
What WISCONSIN BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,128,104,000 | 1,150,867,000 | 1,098,405,000 | 1,139,337,000 |
| Total loans | 869,854,000 | 888,528,000 | 849,744,000 | 795,584,000 |
| Allowance for loan losses | 5,148,000 | 6,397,000 | 6,344,000 | 6,059,000 |
| Securities available for sale | 103,504,000 | 106,522,000 | 99,398,000 | 145,902,000 |
| Securities held to maturity | 26,382,000 | 26,265,000 | 26,148,000 | 26,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 939,157,000 | 985,804,000 | 904,803,000 | 974,001,000 |
| Interest-bearing deposits | 692,022,000 | 708,992,000 | 674,952,000 | 713,598,000 |
| Noninterest-bearing deposits | 247,135,000 | 276,812,000 | 229,851,000 | 260,403,000 |
| Equity capital | 122,954,000 | 128,910,000 | 133,018,000 | 131,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 11,071,000 | 23,417,000 | 36,156,000 | 47,990,000 |
| Interest expense | 920,000 | 1,651,000 | 2,387,000 | 3,079,000 |
| Net interest income | 10,151,000 | 21,766,000 | 33,769,000 | 44,911,000 |
| Noninterest income | 3,851,000 | 7,462,000 | 11,464,000 | 14,404,000 |
| Noninterest expense | 10,667,000 | 19,934,000 | 29,189,000 | 39,287,000 |
| Provision for loan losses | 90,000 | 1,553,000 | 2,419,000 | 2,422,000 |
| Pretax income | 3,239,000 | 7,732,000 | 13,633,000 | 17,560,000 |
| Income tax | 1,058,000 | 2,601,000 | 4,616,000 | 6,100,000 |
| Net income | 2,181,000 | 5,131,000 | 9,017,000 | 11,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,831,000 | 100,802,000 | 100,432,000 | 102,643,000 |
| Total capital | 102,991,000 | 107,221,000 | 106,793,000 | 108,739,000 |
| Risk-weighted assets | 970,037,000 | 949,636,000 | 895,296,000 | 852,857,000 |