Call reports 2004
OZAUKEE BANK NATIONAL ASSOCIATION — 2004
What OZAUKEE BANK NATIONAL ASSOCIATION 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 | 576,068,000 | 585,440,000 | 593,992,000 | 633,067,000 |
| Total loans | 419,507,000 | 428,159,000 | 435,973,000 | 458,909,000 |
| Allowance for loan losses | 6,096,000 | 6,165,000 | 6,347,000 | 6,553,000 |
| Securities available for sale | 117,876,000 | 119,159,000 | 120,189,000 | 114,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 469,386,000 | 477,072,000 | 480,344,000 | 527,380,000 |
| Interest-bearing deposits | 394,137,000 | 401,826,000 | 403,830,000 | 446,537,000 |
| Noninterest-bearing deposits | 75,249,000 | 75,246,000 | 76,514,000 | 80,843,000 |
| Equity capital | 40,132,000 | 40,137,000 | 41,626,000 | 43,051,000 |
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 | 6,543,000 | 13,244,000 | 20,161,000 | 27,476,000 |
| Interest expense | 1,566,000 | 3,129,000 | 4,838,000 | 6,799,000 |
| Net interest income | 4,977,000 | 10,115,000 | 15,323,000 | 20,677,000 |
| Noninterest income | 1,474,000 | 3,015,000 | 4,407,000 | 5,869,000 |
| Noninterest expense | 3,778,000 | 7,552,000 | 11,612,000 | 16,333,000 |
| Provision for loan losses | 15,000 | 152,000 | 319,000 | 532,000 |
| Pretax income | 2,836,000 | 5,604,000 | 7,977,000 | 9,859,000 |
| Income tax | 911,000 | 1,802,000 | 2,532,000 | 2,774,000 |
| Net income | 1,925,000 | 3,802,000 | 5,445,000 | 7,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,643,000 | 39,441,000 | 40,386,000 | 42,031,000 |
| Total capital | 43,921,000 | 44,909,000 | 45,899,000 | 47,890,000 |
| Risk-weighted assets | 421,518,000 | 436,999,000 | 440,230,000 | 468,025,000 |