Call reports 2004
CHIPPEWA VALLEY BANK — 2004
What CHIPPEWA VALLEY BANK 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 | 108,406,000 | 110,913,000 | 129,485,000 | 128,777,000 |
| Total loans | 89,643,000 | 96,126,000 | 105,550,000 | 113,626,000 |
| Allowance for loan losses | 934,000 | 953,000 | 987,000 | 1,166,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 540,000 | 500,000 | 489,000 | 460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,399,000 | 98,920,000 | 116,815,000 | 110,271,000 |
| Interest-bearing deposits | 87,774,000 | 85,869,000 | 103,240,000 | 97,667,000 |
| Noninterest-bearing deposits | 11,625,000 | 13,051,000 | 13,575,000 | 12,604,000 |
| Equity capital | 8,842,000 | 9,116,000 | 9,496,000 | 9,655,000 |
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 | 1,601,000 | 3,278,000 | 5,111,000 | 7,089,000 |
| Interest expense | 437,000 | 865,000 | 1,311,000 | 1,808,000 |
| Net interest income | 1,164,000 | 2,413,000 | 3,800,000 | 5,281,000 |
| Noninterest income | 99,000 | 220,000 | 331,000 | 492,000 |
| Noninterest expense | 903,000 | 1,855,000 | 2,815,000 | 4,115,000 |
| Provision for loan losses | 0 | 19,000 | 54,000 | 234,000 |
| Pretax income | 360,000 | 759,000 | 1,262,000 | 1,424,000 |
| Income tax | 5,000 | 10,000 | 13,000 | 16,000 |
| Net income | 355,000 | 749,000 | 1,249,000 | 1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,842,000 | 9,116,000 | 9,496,000 | 9,655,000 |
| Total capital | 9,776,000 | 10,069,000 | 10,483,000 | 10,821,000 |
| Risk-weighted assets | 81,448,000 | 86,468,000 | 97,486,000 | 104,093,000 |
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