Call reports 2008
BADGER BANK — 2008
What BADGER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 123,224,000 | 116,501,000 | 114,005,000 | 120,223,000 |
| Total loans | 81,390,000 | 74,872,000 | 76,053,000 | 76,911,000 |
| Allowance for loan losses | 632,000 | 534,000 | 583,000 | 1,357,000 |
| Securities available for sale | 22,914,000 | 22,240,000 | 21,975,000 | 22,474,000 |
| Securities held to maturity | 0 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,952,000 | 97,556,000 | 96,497,000 | 104,322,000 |
| Interest-bearing deposits | 90,096,000 | 84,033,000 | 82,111,000 | 88,854,000 |
| Noninterest-bearing deposits | 13,856,000 | 13,523,000 | 14,386,000 | 15,468,000 |
| Equity capital | 12,124,000 | 12,017,000 | 12,114,000 | 11,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,813,000 | 3,493,000 | 5,091,000 | 6,641,000 |
| Interest expense | 843,000 | 1,583,000 | 2,206,000 | 2,766,000 |
| Net interest income | 970,000 | 1,910,000 | 2,885,000 | 3,875,000 |
| Noninterest income | 326,000 | 647,000 | 892,000 | 1,133,000 |
| Noninterest expense | 954,000 | 1,830,000 | 2,872,000 | 3,855,000 |
| Provision for loan losses | 30,000 | 105,000 | 180,000 | 930,000 |
| Pretax income | 312,000 | 622,000 | 725,000 | 223,000 |
| Income tax | 84,000 | 168,000 | 165,000 | -117,000 |
| Net income | 228,000 | 454,000 | 560,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,136,000 | 11,300,000 | 11,394,000 | 10,906,000 |
| Total capital | 11,768,000 | 11,834,000 | 11,977,000 | 12,167,000 |
| Risk-weighted assets | 97,909,000 | 95,055,000 | 96,561,000 | 100,821,000 |
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