Call reports 2005
WISCONSIN STATE BANK — 2005
What WISCONSIN STATE BANK 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 | 107,928,000 | 109,420,000 | 88,963,000 | 92,594,000 |
| Total loans | 80,154,000 | 83,118,000 | 63,253,000 | 67,176,000 |
| Allowance for loan losses | 819,000 | 824,000 | 832,000 | 804,000 |
| Securities available for sale | 12,307,000 | 12,361,000 | 12,515,000 | 12,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,047,000 | 79,630,000 | 66,379,000 | 68,198,000 |
| Interest-bearing deposits | 70,608,000 | 69,289,000 | 59,585,000 | 59,364,000 |
| Noninterest-bearing deposits | 9,439,000 | 10,342,000 | 6,794,000 | 8,834,000 |
| Equity capital | 13,855,000 | 13,922,000 | 13,870,000 | 13,700,000 |
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 | 1,349,000 | 2,828,000 | 4,234,000 | 5,452,000 |
| Interest expense | 345,000 | 771,000 | 1,222,000 | 1,696,000 |
| Net interest income | 1,004,000 | 2,057,000 | 3,012,000 | 3,756,000 |
| Noninterest income | 214,000 | 387,000 | 539,000 | 664,000 |
| Noninterest expense | 885,000 | 1,744,000 | 2,587,000 | 3,340,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 160,000 |
| Pretax income | 273,000 | 580,000 | 804,000 | 920,000 |
| Income tax | 72,000 | 158,000 | 210,000 | 219,000 |
| Net income | 201,000 | 422,000 | 594,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,906,000 | 7,958,000 | 9,464,000 | 9,393,000 |
| Total capital | 8,725,000 | 8,782,000 | 10,296,000 | 10,197,000 |
| Risk-weighted assets | 78,758,000 | 82,344,000 | 66,557,000 | 66,627,000 |
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