Call reports 2003
WISCONSIN STATE BANK — 2003
What WISCONSIN STATE BANK 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 | 92,443,000 | 93,343,000 | 93,676,000 | 92,167,000 |
| Total loans | 70,531,000 | 69,908,000 | 68,176,000 | 67,736,000 |
| Allowance for loan losses | 769,000 | 859,000 | 737,000 | 746,000 |
| Securities available for sale | 10,369,000 | 11,224,000 | 13,431,000 | 13,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,953,000 | 78,069,000 | 79,015,000 | 78,948,000 |
| Interest-bearing deposits | 68,020,000 | 69,391,000 | 70,688,000 | 68,633,000 |
| Noninterest-bearing deposits | 8,933,000 | 8,678,000 | 8,327,000 | 10,315,000 |
| Equity capital | 7,441,000 | 7,765,000 | 7,863,000 | 7,757,000 |
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 | 1,460,000 | 2,849,000 | 4,205,000 | 5,541,000 |
| Interest expense | 568,000 | 1,084,000 | 1,612,000 | 2,065,000 |
| Net interest income | 892,000 | 1,765,000 | 2,593,000 | 3,476,000 |
| Noninterest income | 739,000 | 1,178,000 | 1,472,000 | 1,632,000 |
| Noninterest expense | 1,174,000 | 2,004,000 | 2,739,000 | 3,480,000 |
| Provision for loan losses | 40,000 | 133,000 | 240,000 | 347,000 |
| Pretax income | 417,000 | 806,000 | 1,086,000 | 1,281,000 |
| Income tax | 127,000 | 242,000 | 313,000 | 363,000 |
| Net income | 290,000 | 564,000 | 773,000 | 918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,186,000 | 7,460,000 | 7,668,000 | 7,563,000 |
| Total capital | 7,955,000 | 8,319,000 | 8,405,000 | 8,309,000 |
| Risk-weighted assets | 68,318,000 | 71,726,000 | 71,747,000 | 72,512,000 |
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