Call reports 2013
BADGER BANK — 2013
What BADGER BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 113,160,000 | 111,568,000 | 114,689,000 | 117,398,000 |
| Total loans | 58,766,000 | 55,929,000 | 62,675,000 | 64,683,000 |
| Allowance for loan losses | 677,000 | 679,000 | 682,000 | 779,000 |
| Securities available for sale | 22,976,000 | 23,724,000 | 23,847,000 | 24,042,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,448,000 | 98,087,000 | 101,044,000 | 104,069,000 |
| Interest-bearing deposits | 79,609,000 | 78,607,000 | 80,466,000 | 83,021,000 |
| Noninterest-bearing deposits | 19,839,000 | 19,480,000 | 20,578,000 | 21,048,000 |
| Equity capital | 12,848,000 | 12,676,000 | 12,799,000 | 12,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 944,000 | 1,926,000 | 2,945,000 | 4,009,000 |
| Interest expense | 61,000 | 122,000 | 179,000 | 233,000 |
| Net interest income | 883,000 | 1,804,000 | 2,766,000 | 3,776,000 |
| Noninterest income | 344,000 | 668,000 | 1,002,000 | 1,208,000 |
| Noninterest expense | 907,000 | 1,837,000 | 2,703,000 | 3,719,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 125,000 |
| Pretax income | 320,000 | 635,000 | 1,045,000 | 940,000 |
| Income tax | 112,000 | 222,000 | 366,000 | 308,000 |
| Net income | 208,000 | 413,000 | 679,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,995,000 | 12,110,000 | 12,286,000 | 12,149,000 |
| Total capital | 12,672,000 | 12,789,000 | 12,968,000 | 12,928,000 |
| Risk-weighted assets | 61,680,000 | 59,133,000 | 63,524,000 | 64,874,000 |