Call reports 2003
BANKS OF WISCONSIN — 2003
What BANKS OF WISCONSIN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 76,382,000 | 92,586,000 | 99,795,000 | 105,422,000 |
| Total loans | 63,244,000 | 75,609,000 | 82,440,000 | 91,503,000 |
| Allowance for loan losses | 954,000 | 1,050,000 | 1,176,000 | 1,260,000 |
| Securities available for sale | 6,110,000 | 5,738,000 | 7,621,000 | 7,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,424,000 | 81,920,000 | 87,092,000 | 92,525,000 |
| Interest-bearing deposits | 58,348,000 | 70,870,000 | 76,352,000 | 83,044,000 |
| Noninterest-bearing deposits | 7,076,000 | 11,051,000 | 10,740,000 | 9,481,000 |
| Equity capital | 7,104,000 | 8,423,000 | 9,394,000 | 9,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,009,000 | 2,105,000 | 3,361,000 | 4,700,000 |
| Interest expense | 387,000 | 815,000 | 1,267,000 | 1,744,000 |
| Net interest income | 622,000 | 1,290,000 | 2,094,000 | 2,956,000 |
| Noninterest income | 74,000 | 196,000 | 261,000 | 317,000 |
| Noninterest expense | 548,000 | 1,139,000 | 1,737,000 | 2,405,000 |
| Provision for loan losses | 65,000 | 161,000 | 287,000 | 372,000 |
| Pretax income | 97,000 | 200,000 | 345,000 | 510,000 |
| Income tax | 39,000 | 80,000 | 138,000 | 204,000 |
| Net income | 58,000 | 120,000 | 207,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,518,000 | 7,995,000 | 9,088,000 | 9,535,000 |
| Total capital | 7,256,000 | 8,924,000 | 10,070,000 | 10,618,000 |
| Risk-weighted assets | 58,837,000 | 74,167,000 | 78,393,000 | 86,458,000 |