Call reports 2004
BADGER BANK — 2004
What BADGER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 83,914,000 | 80,232,000 | 83,763,000 | 86,763,000 |
| Total loans | 50,189,000 | 50,605,000 | 53,254,000 | 56,755,000 |
| Allowance for loan losses | 591,000 | 573,000 | 572,000 | 539,000 |
| Securities available for sale | 17,579,000 | 18,615,000 | 18,515,000 | 18,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,406,000 | 70,772,000 | 71,062,000 | 70,617,000 |
| Interest-bearing deposits | 64,359,000 | 59,959,000 | 59,831,000 | 59,273,000 |
| Noninterest-bearing deposits | 10,047,000 | 10,813,000 | 11,231,000 | 11,344,000 |
| Equity capital | 9,228,000 | 9,091,000 | 9,426,000 | 9,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 913,000 | 1,858,000 | 2,842,000 | 3,899,000 |
| Interest expense | 222,000 | 417,000 | 616,000 | 844,000 |
| Net interest income | 691,000 | 1,441,000 | 2,226,000 | 3,055,000 |
| Noninterest income | 246,000 | 426,000 | 590,000 | 794,000 |
| Noninterest expense | 763,000 | 1,411,000 | 2,081,000 | 2,777,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 10,000 |
| Pretax income | 169,000 | 451,000 | 730,000 | 1,062,000 |
| Income tax | 45,000 | 130,000 | 210,000 | 307,000 |
| Net income | 124,000 | 321,000 | 520,000 | 755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,190,000 | 8,342,000 | 8,530,000 | 8,568,000 |
| Total capital | 8,781,000 | 8,915,000 | 9,102,000 | 9,107,000 |
| Risk-weighted assets | 53,140,000 | 52,458,000 | 55,497,000 | 58,930,000 |
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