Call reports 2016
BADGER BANK — 2016
What BADGER BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 128,602,000 | 130,153,000 | 133,284,000 | 132,482,000 |
| Total loans | 80,738,000 | 82,847,000 | 82,633,000 | 82,074,000 |
| Allowance for loan losses | 797,000 | 799,000 | 833,000 | 756,000 |
| Securities available for sale | 23,671,000 | 24,158,000 | 23,607,000 | 24,627,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,097,000 | 114,299,000 | 117,046,000 | 116,566,000 |
| Interest-bearing deposits | 88,056,000 | 88,625,000 | 90,817,000 | 90,336,000 |
| Noninterest-bearing deposits | 25,041,000 | 25,674,000 | 26,229,000 | 26,230,000 |
| Equity capital | 14,710,000 | 14,992,000 | 15,245,000 | 15,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,209,000 | 2,407,000 | 3,684,000 | 4,923,000 |
| Interest expense | 65,000 | 127,000 | 197,000 | 272,000 |
| Net interest income | 1,144,000 | 2,280,000 | 3,487,000 | 4,651,000 |
| Noninterest income | 316,000 | 637,000 | 1,047,000 | 1,372,000 |
| Noninterest expense | 1,043,000 | 1,999,000 | 3,042,000 | 4,111,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 387,000 | 858,000 | 1,402,000 | 1,792,000 |
| Income tax | 137,000 | 306,000 | 500,000 | 637,000 |
| Net income | 250,000 | 552,000 | 902,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,078,000 | 14,290,000 | 14,551,000 | 14,714,000 |
| Total capital | 14,875,000 | 15,089,000 | 15,384,000 | 15,470,000 |
| Risk-weighted assets | 76,234,000 | 77,900,000 | 77,603,000 | 77,427,000 |