Call reports 2005
BANKS OF WISCONSIN — 2005
What BANKS OF WISCONSIN reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 151,948,000 | 160,145,000 | 174,179,000 | 190,335,000 |
| Total loans | 132,446,000 | 136,895,000 | 147,539,000 | 157,621,000 |
| Allowance for loan losses | 1,605,000 | 1,672,000 | 1,870,000 | 2,032,000 |
| Securities available for sale | 11,043,000 | 12,494,000 | 15,556,000 | 16,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,207,000 | 139,967,000 | 150,607,000 | 163,753,000 |
| Interest-bearing deposits | 119,880,000 | 125,340,000 | 131,219,000 | 139,067,000 |
| Noninterest-bearing deposits | 12,327,000 | 14,627,000 | 19,388,000 | 24,686,000 |
| Equity capital | 10,948,000 | 11,842,000 | 14,123,000 | 14,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,078,000 | 4,269,000 | 6,750,000 | 9,521,000 |
| Interest expense | 811,000 | 1,715,000 | 2,788,000 | 4,020,000 |
| Net interest income | 1,267,000 | 2,554,000 | 3,962,000 | 5,501,000 |
| Noninterest income | 120,000 | 243,000 | 381,000 | 543,000 |
| Noninterest expense | 899,000 | 1,888,000 | 2,939,000 | 4,147,000 |
| Provision for loan losses | 76,000 | 144,000 | 342,000 | 499,000 |
| Pretax income | 412,000 | 765,000 | 1,062,000 | 1,398,000 |
| Income tax | 165,000 | 306,000 | 425,000 | 530,000 |
| Net income | 247,000 | 459,000 | 637,000 | 868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,059,000 | 11,871,000 | 14,199,000 | 13,988,000 |
| Total capital | 12,591,000 | 13,466,000 | 15,959,000 | 15,899,000 |
| Risk-weighted assets | 122,447,000 | 127,523,000 | 140,653,000 | 152,785,000 |