Call reports 2005
OZAUKEE BANK NATIONAL ASSOCIATION — 2005
What OZAUKEE BANK NATIONAL ASSOCIATION 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 | 624,154,000 | 631,716,000 | 652,517,000 | 692,401,000 |
| Total loans | 473,105,000 | 485,904,000 | 490,155,000 | 511,207,000 |
| Allowance for loan losses | 6,647,000 | 6,741,000 | 6,792,000 | 6,909,000 |
| Securities available for sale | 107,341,000 | 105,951,000 | 106,341,000 | 106,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 506,251,000 | 513,190,000 | 541,176,000 | 580,293,000 |
| Interest-bearing deposits | 429,951,000 | 433,464,000 | 455,565,000 | 484,868,000 |
| Noninterest-bearing deposits | 76,300,000 | 79,727,000 | 85,611,000 | 95,425,000 |
| Equity capital | 43,261,000 | 44,523,000 | 45,887,000 | 47,457,000 |
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 | 7,667,000 | 15,873,000 | 24,649,000 | 34,031,000 |
| Interest expense | 2,310,000 | 5,080,000 | 8,208,000 | 11,757,000 |
| Net interest income | 5,357,000 | 10,793,000 | 16,441,000 | 22,274,000 |
| Noninterest income | 1,411,000 | 2,802,000 | 4,349,000 | 5,711,000 |
| Noninterest expense | 3,872,000 | 7,769,000 | 11,700,000 | 16,050,000 |
| Provision for loan losses | 120,000 | 240,000 | 300,000 | 420,000 |
| Pretax income | 2,776,000 | 5,586,000 | 8,790,000 | 11,515,000 |
| Income tax | 897,000 | 1,809,000 | 2,863,000 | 3,734,000 |
| Net income | 1,879,000 | 3,777,000 | 5,927,000 | 7,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,635,000 | 43,778,000 | 45,167,000 | 47,183,000 |
| Total capital | 48,583,000 | 49,833,000 | 51,406,000 | 53,722,000 |
| Risk-weighted assets | 475,156,000 | 483,675,000 | 498,593,000 | 522,762,000 |