Call reports 2015
BADGER BANK — 2015
What BADGER BANK 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 | 123,845,000 | 122,614,000 | 124,800,000 | 132,135,000 |
| Total loans | 80,489,000 | 81,721,000 | 82,528,000 | 79,260,000 |
| Allowance for loan losses | 727,000 | 765,000 | 807,000 | 758,000 |
| Securities available for sale | 24,137,000 | 23,883,000 | 24,421,000 | 22,622,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,146,000 | 107,702,000 | 109,539,000 | 116,970,000 |
| Interest-bearing deposits | 81,855,000 | 83,750,000 | 83,708,000 | 90,607,000 |
| Noninterest-bearing deposits | 24,291,000 | 23,952,000 | 25,831,000 | 26,363,000 |
| Equity capital | 13,917,000 | 14,078,000 | 14,379,000 | 14,446,000 |
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 | 1,209,000 | 2,445,000 | 3,688,000 | 4,902,000 |
| Interest expense | 52,000 | 110,000 | 169,000 | 232,000 |
| Net interest income | 1,157,000 | 2,335,000 | 3,519,000 | 4,670,000 |
| Noninterest income | 301,000 | 643,000 | 987,000 | 1,264,000 |
| Noninterest expense | 999,000 | 1,858,000 | 2,841,000 | 3,873,000 |
| Provision for loan losses | 30,000 | 80,000 | 120,000 | 150,000 |
| Pretax income | 429,000 | 1,040,000 | 1,557,000 | 1,946,000 |
| Income tax | 153,000 | 378,000 | 566,000 | 703,000 |
| Net income | 276,000 | 662,000 | 991,000 | 1,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,168,000 | 13,447,000 | 13,686,000 | 13,878,000 |
| Total capital | 13,895,000 | 14,212,000 | 14,493,000 | 14,636,000 |
| Risk-weighted assets | 77,197,000 | 77,138,000 | 77,940,000 | 76,428,000 |