Call reports 2003
CHIPPEWA VALLEY BANK — 2003
What CHIPPEWA VALLEY BANK 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 | 92,854,000 | 95,907,000 | 102,286,000 | 97,799,000 |
| Total loans | 76,804,000 | 77,500,000 | 83,661,000 | 86,575,000 |
| Allowance for loan losses | 865,000 | 865,000 | 865,000 | 934,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 643,000 | 614,000 | 593,000 | 547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,233,000 | 86,767,000 | 92,556,000 | 87,924,000 |
| Interest-bearing deposits | 73,916,000 | 75,204,000 | 77,362,000 | 76,119,000 |
| Noninterest-bearing deposits | 10,317,000 | 11,563,000 | 15,194,000 | 11,805,000 |
| Equity capital | 8,435,000 | 8,989,000 | 9,550,000 | 9,734,000 |
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 | 1,620,000 | 3,196,000 | 4,851,000 | 6,523,000 |
| Interest expense | 486,000 | 938,000 | 1,365,000 | 1,767,000 |
| Net interest income | 1,134,000 | 2,258,000 | 3,486,000 | 4,756,000 |
| Noninterest income | 188,000 | 366,000 | 538,000 | 643,000 |
| Noninterest expense | 738,000 | 1,484,000 | 2,322,000 | 3,436,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 584,000 | 1,140,000 | 1,702,000 | 1,888,000 |
| Income tax | 143,000 | 145,000 | 146,000 | 148,000 |
| Net income | 441,000 | 995,000 | 1,556,000 | 1,740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,435,000 | 8,989,000 | 9,550,000 | 9,734,000 |
| Total capital | 9,278,000 | 9,854,000 | 10,415,000 | 10,668,000 |
| Risk-weighted assets | 67,414,000 | 69,504,000 | 76,212,000 | 77,194,000 |
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