Call reports 2003
BADGER BANK — 2003
What BADGER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 66,222,000 | 64,006,000 | 64,109,000 | 82,836,000 |
| Total loans | 43,745,000 | 43,132,000 | 42,920,000 | 47,976,000 |
| Allowance for loan losses | 582,000 | 584,000 | 586,000 | 592,000 |
| Securities available for sale | 10,137,000 | 10,915,000 | 10,996,000 | 12,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,476,000 | 57,069,000 | 57,250,000 | 73,449,000 |
| Interest-bearing deposits | 51,108,000 | 48,545,000 | 48,897,000 | 62,298,000 |
| Noninterest-bearing deposits | 8,368,000 | 8,524,000 | 8,353,000 | 11,151,000 |
| Equity capital | 6,328,000 | 6,583,000 | 6,560,000 | 9,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 848,000 | 1,670,000 | 2,443,000 | 3,300,000 |
| Interest expense | 240,000 | 469,000 | 685,000 | 902,000 |
| Net interest income | 608,000 | 1,201,000 | 1,758,000 | 2,398,000 |
| Noninterest income | 226,000 | 471,000 | 680,000 | 1,405,000 |
| Noninterest expense | 508,000 | 1,054,000 | 1,610,000 | 2,305,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 25,000 |
| Pretax income | 318,000 | 610,000 | 820,000 | 1,480,000 |
| Income tax | 97,000 | 186,000 | 235,000 | 263,000 |
| Net income | 221,000 | 424,000 | 585,000 | 1,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,195,000 | 6,376,000 | 6,462,000 | 8,117,000 |
| Total capital | 6,765,000 | 6,926,000 | 7,005,000 | 8,709,000 |
| Risk-weighted assets | 45,548,000 | 43,977,000 | 43,379,000 | 50,359,000 |
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