Call reports 2004
WISCONSIN STATE BANK — 2004
What WISCONSIN STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 93,507,000 | 94,236,000 | 100,241,000 | 100,079,000 |
| Total loans | 71,551,000 | 72,211,000 | 72,620,000 | 71,692,000 |
| Allowance for loan losses | 795,000 | 858,000 | 1,023,000 | 1,097,000 |
| Securities available for sale | 11,855,000 | 11,696,000 | 12,274,000 | 12,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,860,000 | 76,972,000 | 78,307,000 | 78,227,000 |
| Interest-bearing deposits | 67,706,000 | 67,188,000 | 67,697,000 | 67,730,000 |
| Noninterest-bearing deposits | 9,154,000 | 9,784,000 | 10,610,000 | 10,497,000 |
| Equity capital | 8,094,000 | 8,078,000 | 13,808,000 | 13,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,346,000 | 2,645,000 | 674,000 | 2,007,000 |
| Interest expense | 408,000 | 791,000 | 154,000 | 437,000 |
| Net interest income | 938,000 | 1,854,000 | 520,000 | 1,570,000 |
| Noninterest income | 185,000 | 383,000 | 82,000 | 247,000 |
| Noninterest expense | 711,000 | 1,464,000 | 415,000 | 1,293,000 |
| Provision for loan losses | 60,000 | 120,000 | 20,000 | 80,000 |
| Pretax income | 371,000 | 672,000 | 167,000 | 444,000 |
| Income tax | 102,000 | 178,000 | 60,000 | 130,000 |
| Net income | 269,000 | 494,000 | 107,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,832,000 | 8,058,000 | 7,852,000 | 7,872,000 |
| Total capital | 8,627,000 | 8,916,000 | 8,778,000 | 8,768,000 |
| Risk-weighted assets | 73,328,000 | 74,818,000 | 73,957,000 | 71,455,000 |
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