Call reports 2019
BADGER BANK — 2019
What BADGER BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 136,342,000 | 134,523,000 | 136,651,000 | 136,705,000 |
| Total loans | 91,322,000 | 92,070,000 | 95,689,000 | 92,758,000 |
| Allowance for loan losses | 800,000 | 834,000 | 864,000 | 891,000 |
| Securities available for sale | 20,672,000 | 19,412,000 | 18,034,000 | 17,277,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,411,000 | 115,144,000 | 116,838,000 | 116,966,000 |
| Interest-bearing deposits | 93,088,000 | 91,446,000 | 91,040,000 | 91,532,000 |
| Noninterest-bearing deposits | 24,323,000 | 23,698,000 | 25,798,000 | 25,434,000 |
| Equity capital | 17,612,000 | 17,912,000 | 18,277,000 | 18,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,335,000 | 2,693,000 | 4,101,000 | 5,493,000 |
| Interest expense | 96,000 | 197,000 | 298,000 | 403,000 |
| Net interest income | 1,239,000 | 2,496,000 | 3,803,000 | 5,090,000 |
| Noninterest income | 2,090,000 | 2,383,000 | 2,746,000 | 3,108,000 |
| Noninterest expense | 1,136,000 | 2,205,000 | 3,326,000 | 4,433,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 2,163,000 | 2,614,000 | 3,133,000 | 3,651,000 |
| Income tax | 365,000 | 477,000 | 607,000 | 736,000 |
| Net income | 1,798,000 | 2,137,000 | 2,526,000 | 2,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,264,000 | 17,481,000 | 17,810,000 | 18,039,000 |
| Total capital | 18,064,000 | 18,315,000 | 18,674,000 | 18,930,000 |
| Risk-weighted assets | 85,124,000 | 86,060,000 | 89,353,000 | 86,484,000 |