Call reports 2005
CHIPPEWA VALLEY BANK — 2005
What CHIPPEWA VALLEY BANK 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 | 131,598,000 | 138,408,000 | 148,243,000 | 145,630,000 |
| Total loans | 112,869,000 | 121,879,000 | 125,052,000 | 128,067,000 |
| Allowance for loan losses | 1,196,000 | 1,219,000 | 1,299,000 | 1,499,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 456,000 | 428,000 | 1,422,000 | 1,384,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,377,000 | 118,832,000 | 128,035,000 | 120,949,000 |
| Interest-bearing deposits | 103,794,000 | 104,718,000 | 110,263,000 | 104,742,000 |
| Noninterest-bearing deposits | 14,583,000 | 14,114,000 | 17,772,000 | 16,207,000 |
| Equity capital | 10,055,000 | 10,433,000 | 11,010,000 | 10,900,000 |
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 | 2,080,000 | 4,263,000 | 6,732,000 | 9,290,000 |
| Interest expense | 512,000 | 1,081,000 | 1,815,000 | 2,595,000 |
| Net interest income | 1,568,000 | 3,182,000 | 4,917,000 | 6,695,000 |
| Noninterest income | 125,000 | 294,000 | 471,000 | 640,000 |
| Noninterest expense | 1,038,000 | 2,138,000 | 3,259,000 | 4,936,000 |
| Provision for loan losses | 30,000 | 65,000 | 145,000 | 345,000 |
| Pretax income | 625,000 | 1,273,000 | 1,984,000 | 2,054,000 |
| Income tax | 0 | 6,000 | 8,000 | 8,000 |
| Net income | 625,000 | 1,267,000 | 1,976,000 | 2,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,055,000 | 10,433,000 | 11,010,000 | 10,900,000 |
| Total capital | 11,251,000 | 11,652,000 | 12,309,000 | 12,346,000 |
| Risk-weighted assets | 103,709,000 | 110,763,000 | 114,058,000 | 115,660,000 |
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