Call reports 2003
OZAUKEE BANK NATIONAL ASSOCIATION — 2003
What OZAUKEE BANK NATIONAL ASSOCIATION 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 | 505,628,000 | 537,909,000 | 553,000,000 | 594,022,000 |
| Total loans | 352,509,000 | 368,669,000 | 373,999,000 | 403,042,000 |
| Allowance for loan losses | 6,260,000 | 6,279,000 | 6,196,000 | 6,093,000 |
| Securities available for sale | 116,066,000 | 118,436,000 | 125,617,000 | 133,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,755,000 | 436,940,000 | 450,599,000 | 491,083,000 |
| Interest-bearing deposits | 368,836,000 | 367,637,000 | 385,279,000 | 413,271,000 |
| Noninterest-bearing deposits | 62,919,000 | 69,303,000 | 65,320,000 | 77,812,000 |
| Equity capital | 37,468,000 | 39,438,000 | 41,042,000 | 39,460,000 |
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 | 6,634,000 | 13,351,000 | 19,961,000 | 26,786,000 |
| Interest expense | 1,653,000 | 3,383,000 | 5,028,000 | 6,643,000 |
| Net interest income | 4,981,000 | 9,968,000 | 14,933,000 | 20,143,000 |
| Noninterest income | 2,661,000 | 5,378,000 | 8,311,000 | 9,760,000 |
| Noninterest expense | 3,404,000 | 7,207,000 | 11,171,000 | 16,077,000 |
| Provision for loan losses | 0 | 46,000 | 220,000 | 125,000 |
| Pretax income | 4,238,000 | 8,093,000 | 11,853,000 | 13,701,000 |
| Income tax | 1,483,000 | 2,773,000 | 4,053,000 | 4,911,000 |
| Net income | 2,755,000 | 5,320,000 | 7,800,000 | 8,790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,482,000 | 38,162,000 | 39,755,000 | 37,777,000 |
| Total capital | 39,929,000 | 42,805,000 | 44,560,000 | 42,954,000 |
| Risk-weighted assets | 353,976,000 | 369,792,000 | 383,019,000 | 413,265,000 |